I think that if you’re not at fault in Florida your insurance company shouldn’t have to pay. However Florida is a no-fault state, so what does that mean? No-fault means that it doesn’t make a difference who’s at fault, it doesn’t make a difference if it’s your fault or the other person’s fault. What makes a difference is that Florida is a no-fault state. This means that your insurance company will cover you for your medical payments in 65% of your lost wages. Their insurance company will cover them for their medical and 65% of their lost wages.
Now, the difference is that when you’re involved in a car accident and it is not your fault, their insurance company, if they have bodily injury will cover you for pain and suffering in addition to your medical coverage that your insurance company pays. Their property damage if they have it, part-provision in their policy will cover you for the damages of your car or any damages to your items such as sunglasses cell phone, etc. Your commission coverage will cover you for your car if the other side does not have property damage.
So, that’s pretty much what happens when you’re involved in a car accident in Florida-who covers you? This is why your insurance company has to pay for your medical coverages. It doesn’t make sense but that’s Florida law. If you have any questions on this feel free to call us at 813.421.3411.
(Transcript from the video, transcribed but not reviewed)