Florida No Fault Application - Cheap Auto Insurance Quotes
Though it is a frightening concept to consider, the fact of the matter is that an automobile wreck is always a possibility for even the most careful drivers. As such, it is important to keep abreast of all the laws, rules, and regulations surrounding Florida's PIP system.
Florida is a No Fault state, which means that, in the event of a wreck, all parties will be covered by their own Florida no fault insurance policies, should any bodily damage occur. Even if the other driver is to blame for the wreck, you'll need to use your own insurance company to cover any damages. This is what the “no fault” in Florida No Fault means. This also means that you are unable to sue any guilty party unless your medical damages exceed ten thousand dollars.
If your medical bills fall within the ten thousand dollar “no fault threshold”, it is up to you to fill out a Florida No Fault application. This will be provided by your insurance company and, upon completion, it will allow you to pass on the medical bills to your insurance company. When you get your application, you'll be asked to fill in all the requisite details like your name and address. You'll also have to write down the date and time of your accident, as well as where it took place. Then you'll need to give a brief description of the circumstances surrounding the wreck; what vehicles were there, what the general atmosphere was like, and so on.
Most importantly, you'll see a section around the middle of the form that asks whether you were injured as a result of the accident. You'll want to say yes, of course, and you'll then need to list your doctor's information, your expenses, and the amount of work that you might have missed because of the accident. You'll also need to give important information about your employer and the company's address.
After that, you'll see a few authorization paragraphs that you must sign so that you can legally relinquish your medical and work information. You'll also have to sign your name to certify that everything you told was, to the best of your knowledge, true and genuine. Be careful not to lie because knowingly defrauding an insurance company is a third degree felony. Also feel free to consult a lawyer before you put your name on any form. Though No Fault insurance is designed to protect you and anybody else involved in an accident, it is still best to fully understand what you're agreeing to and why.
