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What are PIP and PDL insurance in Florida?

On Behalf of | Sep 23, 2022 | Personal Injury

Florida is a densely populated state in many areas and it is still growing. People from different demographic groups are settling in the sunshine state. Since the population is growing in number, that means that there are more motor vehicles on the roads than there were in the past, which, in turn means that there are more accidents and more personal injury cases.

Drivers in Florida, just like in the rest of the United States, must be insured to be able to drive in the state. There are different types of required insurance and Personal Injury Protection, or PIP; and Property Damage Liability (PDL) are two types of insurance that are required by the state of Florida.

What do PIP and PDL cover?

According to Florida Highway Safety and Motor Vehicles, FHSMV, PIP covers 80% of what are considered necessary and reasonable medical expenses with a cap of $10,000. The coverage is for injuries and who is responsible for the crash is of no interest to the insurance company.

PDL coverage must be provided by an insurance company that holds a license to sell insurance policies in the state of Florida . The other way that the motorist can be covered is if they qualify for a self-insurance certificate that was issued by the FHSMV.

What are the requirements for motorists to obtain coverage?

There are several requirements in Florida when it comes to insurance coverage for motor vehicles:

  • The vehicle must have PIP and PDL coverage when the vehicle owner registers their vehicle.
  • Must have at least $10,000 coverage for both PIP and PDL.
  • Must have continued coverage, even if the owner is not driving the vehicle or if the vehicle is not working. The vehicle owner must give back the license plate before they cancel their vehicle insurance.
  • The owner must buy insurance coverage from an insurance company that has a license to conduct business in Florida.
  • The owner must maintain Florida insurance coverage as soon as the vehicle is registered, even if the vehicle is not yet in the state.

Different types of personal injury claims

There are different types of personal injury claims and the most common is personal injury as a result of a motor vehicle accident. If the person who has suffered the injury can prove that another person was at fault and was negligent, they have a good chance of receiving compensation for their injuries. Accidents that occur to a person while on another person’s property are also way too common. If the property owner has not done their duty of care and, therefore, has been negligent, they are responsible to compensate the injured person for their injuries.

Sound advice from an Orlando personal injury attorney

If you have suffered a personal injury as a result of a motor vehicle accident, it is probably a good idea to consult with a personal injury attorney in the Orlando, Florida, area. The attorney can help you to understand the process and can show you which steps to follow while protecting your rights and hopefully receiving the compensation that you need and that you deserve at the same time for a brighter future.