Orlando, FL • Kissimmee, FL • Melbourne, FL Auto Accident Law Firm

Across the nation, at an average rate of 115 fatalities per day, auto accidents have fast become the leading cause of death for Americans under the age of thirty-four and a leading cause of personal injuries every year. In Florida, with a sizable tourist industry bringing a large number of out-of-state travelers every year, the legal complications of injuries resulting from automobile accidents involve complex disputes concerning everything from serious medical injuries to complicated insurance laws.

Contact the Orlando, Melbourne, and Kissimmee offices of The Coye Law Firm for professional and comprehensive legal advice on dealing with the issues that result from your legal claim. After a free initial consultation, our Orlando car accident attorneys and an experienced staff of legal professionals can address the various issues related to your claim and aggressively pursue your right to compensation at trial or during settlement.

FL Automobile Insurance Laws

Under the Florida Motor Vehicle No-Fault Law, every individual who operates a vehicle in Florida for more then 90 days must carry personal injury protection insurance (PIP). PIP policies were designed to compensate individuals injured in auto accidents and extend coverage for medical bills, lost income, and related expenses. PIP also covers a portion of an individual’s personal liability.

Under the Florida system, a number of individuals are covered under PIP policies, including the insured, relatives residing in the same household, individuals in the insured’s car, and anyone injured by a car accident who was not in a motorized vehicle. Typically, insurance in Florida follows the insured. So, if you were in an automobile accident, your PIP carrier may be responsible for 80% of costs related to medical expenses, remedial treatment, and remedial care based on religious beliefs. PIP coverage may also cover expenses brought about by death or 60% of disability benefits for loss of income and household expenses.

However, Florida car accidents, from minor fender benders to major collisions, are rarely as simple as handling straight-forward insurance claims—often times involving litigation to protect individuals’ rights from aggressive insurance adjusters, uncooperative companies, and themselves.

Disputes Resulting from an Automobile Collision

Florida, while a “no-fault” state, allows personal liability to be apportioned by comparative fault. In other words, your recovery can be reduced by a percentage if you are found to be at fault in any way. Because of the large tourism industry in and around Orlando, Florida, drivers from out of state may carry policies that conflict with Florida’s PIP requirements and put you at greater liability. Insurance companies in and outside of Florida may also deny or defeat claims depending on the policy carried by other drivers, including the underinsured, or make mistakes when it comes to coordinating medical and Medicare payments.

When it comes to protecting your rights and fighting for your recovery related to Florida auto accidents, the best approach is to contact an experienced lawyer. Our firm has the skill and familiarity with to handle claims related to insurance disputes, transportation-related injuries, social security disability, and workers’ compensation. Contact us today for a free initial consultation.