ORLANDO, FL, June 03, 2009
/24-7PressRelease/ -- Florida is a "no-fault" insurance state. Only 12 other states have no-fault insurance laws. No-fault insurance laws are different for each state that has this type of automobile insurance. Knowing and understanding the state's no-fault automobile insurance laws will guide you in filing a claim or seeking expert legal advice should you ever have to do so. Simply stated, no-fault means, no matter who is at fault, you use your own insurance.
The Florida no-fault insurance system is designed to address
bodily injury claims. No matter who was at fault for the accident, the insurance company covering your car will pay your bodily injury claim. The property damage done to your vehicle would be covered by the at-fault party.
The no-fault system was instituted to lower the cost of automobile insurance by avoiding litigation over the causes of accidents. Minor injury costs are covered by the policyholders' insurance company no matter who is at fault. The term no-fault may be confusing because many use the term incorrectly. No-fault applies only to states where automobile insurance companies pay "first party" benefits and where there are restrictions on the right to sue.
No-fault insurance laws do not prohibit individuals from filing suit against an at-fault driver. Florida drivers can sue if the claim meets certain criteria or "thresholds." These aforementioned thresholds are major loss of body function, permanent injury, significant scarring or disfigurement and/or death. Unless these so-called thresholds are met, you cannot sue.
There are many critics of no-fault insurance laws. These critics believe being found liable for damages will teach a well-deserved lesson to an at-fault driver and make them more responsible drivers in the future.
Under no-fault insurance, it can be difficult to sue an at-fault driver for damages. After an accident, how the ensuing situation is handled can make a really significant difference in how and if you can recover compensation for your losses. Dealing with insurance companies is best left to a highly trained professional well-versed in personal injury law.
If you live in the Orlando, Florida area and you or someone you care about has been injured or killed in an automobile accident and you have questions and concerns about the accident, please visit the website of the
Florida personal injury law firm of Colling, Gilbert, Wright & Carter today and learn about your legal rights.
Source: Colling, Gilbert, Wright & Carter
Website:
http://www.thefloridafirm.com---
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