It is no secret that motorcyclists are the least-protected motorists on Florida roads. While some people like to blame bikers for serious accidents, arguing that they put themselves in harm's ways by driving unsafe vehicles, the fact is that motorcyclists are allowed to ride on our roads just like anyone else. Unfortunately, driver still are not good at keeping an eye out for them.
If you have ever been in a car accident before, you know how stressful the aftermath can be. First, you have to exchange insurance information with the other driver. Then, you have to call your insurance company and explain what happened. Even if you have good insurance that will cover the cost of the damage on your car, you still have to go through a lot of paperwork to get it taken care of. On top of that, many people end up injured in car accidents, leaving them to deal with medical bills as well.
On January 1, 2013, new changes to Florida's Personal Injury Protection (PIP) law took effect. These changes significantly limit benefits for medical treatment and disability pay for Floridians injured in car accidents. Florida law requires that every driver carry $10,000 in PIP coverage. This insurance is also called no-fault insurance since it pays regardless of fault in Car Accidents. Despite the fact that this coverage is mandatory, and based upon a premium payment that assumes the full $10,000 in coverage, Florida law now provides a loophole that can allow insurance companies to avoid payment of some or all of this PIP coverage.