Florida’s No-Fault Law
80% of all medical bills
60% of lost wages with proof of income and a doctor’s note
Essential services where you need to hire someone to assist you in your daily life due to injuries from your accident, like house cleaning, babysitting or lawn care.
80% of prescriptions
Transportation and/or mileage to and from appointments
A separate $5,000 benefit for funeral and burial costs.
You must begin your medical treatments within 14 days of the accident, and
Provide the insurance company with an Emergency Medical Condition Letter, known as an E.M.C. letter. If the above is not accomplished within 14 days of the accident, only $2,500.00 will be available to you. The letter from a medical doctor must state that within a medical degree of probability the symptoms and need for treatment are a direct cause of the accident in question. Further, the patient has an emergency medical condition that requires immediate medical treatment.
Florida requires all licensed drivers to maintain full coverage before registering a vehicle with at least four wheels. Florida drivers must provide proof of Personal Injury Protection Benefits or (P.I.P.). Further, Property Damage Liability (P.D.L.) is also required to complete full coverage, but I will get into what constitutes full coverage compared to what insurance you should carry on my next blog.
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