Although Florida is a “no-fault” state when it comes to auto insurance, personal injury protection (PIP) benefits (paid to insureds, regardless of who is to blame) only goes so far. You’ll get up to $2,500 for emergency medical coverage and up to $10,000 total for medical expenses. If you’re in a serious crash, that won’t go far. PIP also won’t cover your damages for pain and suffering. However, you can step outside of the no fault law and file a liability claim against the at-fault driver for damages that extend beyond PIP, but only if you’ve suffered a disabling condition, permanent scarring, broken bones or your loved one died.
You can’t expect, though, that it will be an easy win. In most cases, insurers put up a fight, whether it’s about the issue of liability or how much they should pay in damages. The fact that this is the norm made it somewhat rare when recently a big name auto insurer agreed to pay the maximum limit on a liability policy to the families of three teens killed in a crash – even though the teens were almost certainly at-fault and the insured was also injured.
According to the Tampa Bay Times, a representative for the insurer insisted that while there was no evidence the insured was at-fault, it was only trying to protect its 29-year-old insured when it paid out $20,000 – the liability limit on the policy – to the families of the three teens who died in the crash and a fourth who survived, but was injured. The insured was injured too, and is still using a wheelchair and enduring physical therapy. Continue reading →