Protecting Accident Victims Since 1983

General Liability and Personal Injury Protection
(PIP) in Florida

General Liability and Personal Injury Protection (PIP) in Florida

If you’ve been involved in a car accident, regardless of whether or not you were at fault, you may be worried about how you will be compensated for damages arising out of the accident: medical bills, lost wages, or even death of a loved one. In this article, a knowledgeable Orange Park personal injury lawyer explains the basics of liability and Florida PIP protection.

The Basics

In the state of Florida, there is a mandatory, no-fault Personal Injury Protection (PIP) insurance program that is a part of your car insurance. PIP seeks to compensate insureds up to the limits of their policy, regardless of whether or not they are legally liable for the accident and the damages incurred therein. The purpose of the PIP program is to keep insurance costs low by making litigation over small car accidents unnecessary. As an owner of an automobile in Florida, you are required by the Florida Motor Vehicle No-Fault Law to carry a minimum of $10,000 in PIP and $10,000 of property damage liability (PDL). You must maintain both types of insurance throughout the time you are licensed and your car is registered in Florida, even if you live or use your car out-of-state for part of that period. Florida PIP includes partial compensation for economic damages:

  • Medical benefits, payable at 80% of the amount incurred by the accident;
  • Disability benefits, payable at 60% of any lost wages, lost gross income, and loss of earning capacity; and
  • Death benefits, up to $5,000.

The maximum amount payable under PIP for any one accident is $10,000. If you have medical bills that are not covered by PIP, or if you have “special damages” such as pain and suffering, loss of consortium, and loss of enjoyment of life, you will have to pursue a lawsuit to recover these damages. Keep in mind that if you do sue, you, as the plaintiff, will have the burden of proving each and every legal element of the case. If you are suing under the doctrine of negligence, for example, your Orange Park personal injury lawyer will have to prove: (1) the defendant had a duty of reasonable care towards you; (2) the defendant breached that duty; (3) that breach caused your injuries; and (4) you suffered damages as a result. Florida is a comparative negligence state, which means that the total amount of damages that you can recover will be reduced in proportion to the amount of fault that you bear for the accident.

Contact an Orange Park, Middleburg and Palatka Personal Injury Lawyer

If you’ve been involved in a car accident and are worried about getting compensated for your injuries, do not hesitate to contact experienced Orange Park personal injury lawyer from John Fagan Accident Lawyers today at 1-844-JOHN-411 to schedule a free initial consultation.

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Google Reviews

Renée Darnell
Renée Darnell
17:27 04 Jun 19
I have recommended Accident Lawyer John Fagan to my family and friends. The Team at Accident Lawyer John Fagan has done an outstanding job representing them.read more
Wesley Caton
Wesley Caton
19:00 04 Apr 19
My experience has been nothing but amazing, Daphne has been astounding and no matter what obscure demand was made by me or insurance she rolled with punches. Her transparancy really meant a lot to me, she was straight forward with every step we were in.read more
Paul Wheat
Paul Wheat
19:06 07 Jan 19
Over all it was not bad.. dealing with work comp I found that very few are on your side and no matter who you are, you are now viewed as a lazy criminal. Debbie was great and communication was clear. Dave did his job but nothing more. I do not feel I was prepared for what I heard in mediation to the extent of the numbers.. as an office 4 stars.. Debbie... 5 stars... the experience... well I'm sorry anyone is even looking for an attorney for help.read more
Dawn Battle
Dawn Battle
18:56 07 Jan 19
Had a wonderful experience at The Fagan Law Firm! Mr. Daze was wonderful to work with, full of wisdom and helped me get my settlement quickly. Would use this law firm again!read more
Maria Galarza
Maria Galarza
15:00 13 Nov 18
My experience was not very pleasant, first we were new clients without any experience about car accidents for that reason we did not know how the process will be or how long that could last. When we started the process we never got explained step by step how will work. We expected more communication from the person in charge of the case in our case was Adrianne, She never answered a call and when I sent emails I did not get an answer on time, most of the time it took more than 48 hours for her to respond and I was not pleased with the answer of my question (leaving me with doubts about what I was asking) when the case of property damage part was finally over with her, the case goes on demand for the insurer which never I saw some copy but I have to clarify that Mrs Daphne nail was very kind.read more
Kristen Rosepiler
Kristen Rosepiler
22:41 19 Oct 18
First off, if I could give Daphne ZERO stars, I would. She was terrible with communication! She could never accept a phone call, I always had to leave messages that she never returned, and didn't even call me on SCHEDULED conference calls. The three stars is only because of my beginning experiences..... My case was transferred to Adrienne, if you have a case here, REQUEST HER. She was such a breath of fresh air. She kept me updated via email about everything. I understand that a lot of phone tag happens during these cases, but she kept me updated on everything. Not a week went by that she didn't tell me what was going on. She fought very hard for me to get my bills and med pay down so that my settlement was better. In the end, she turned an awful experience into a good one. She definitely deserves 5 stars!! Thanks!read more
Chaos with the Christopher's
Chaos with the Christopher's
13:07 09 Oct 18
I don't reccomend this attorney at all. They drug my case out for 6 years. I went 8m without them contacting me. They aren't genuinely for you. I was told that my case wasn't putting any money in their pockets. That's when I knew I had to fire them. 6 years too long! I reccomend Byrd & Byrd!read more
Rand Peterson
Rand Peterson
17:26 28 Aug 17
John Fagan did an exceptional job in dealing with my accident claim. Daphne was also a key player in the settlement that I received. I would definitely use John Fagan (and Daphne) again if the need would ever arise in the future.read more
Joan Brackin
Joan Brackin
22:08 28 Jun 17
The challenges that my daughter has experienced since her car accident last summer have been many. This law firm and their supportive staff have always had an open ear and were only a phone call or email away to answer questions regarding getting her the medical help that she has needed. I highly recommend this group of people to be there in your time of need.read more
Alicia Williams
Alicia Williams
18:32 28 Jun 17
I highly recommend John Fagan for your personal injury lawyer. The staff is very professional and knowledgeable. They are always a phone call away ready to address any of your cares and concerns. When you first meet with John Fagan he makes you feel comfortable and confident he will do the best job he can for you.read more
Rick Bartley
Rick Bartley
18:10 28 Jun 17
So far top notch group of staff. From account manager's that are on top of it and get answers quick to John Fagan being available when needed. Couldn't ask for a better law firm to represent my case.read more
Sandra Danner
Sandra Danner
22:56 23 Jun 17
I really wish I had called John Fagan firm to be on my side a couple years ago after an accident. I did not hire any representation and have always felt like the insurance company cheated me from a fair settlement. It was a time I needed to feel like I had family on my side and everyone at this law firm will treat you like family. John is an especially amazing community advocate. Don't make the mistake I did! Call John Fagan law firm today!read more
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