What are the consequences of not exchanging insurance information at the scene of an accident in Florida?

Daytona Beach, FL—One of the most important things drivers can do after engaging in a car accident is exchange basic information, including their name and insurance information, with the other parties involved. When a motorist is involved in a motor vehicle accident with another driver, while they will generally be required to file a personal injury protection (PIP) claim for injuries with their own carrier, they may still be entitled to recover some compensation from the other driver’s insurer if that motorist was at-fault.

However, if a driver neglects to collect the other party’s insurance information at the scene of the accident, it could cause a delay in them getting paid.

 

Understanding Florida’s Insurance Laws

 

Florida follows no-fault insurance laws which means when a driver engages in a collision, even when it isn’t their fault, they can file a PIP claim with their own carrier so they are able to recover some compensation to cover things like medical expenses and lost wages. While PIP will usually pay up to $10,000 for a victim’s injuries, this isn’t always enough to cover all of their accident-related costs.1

When an individual exhausts their PIP coverage or they want to recover compensation for property damage, they will need to file a claim with the other driver’s carrier. But what if they were too shaken up to collect this information at the time of the collision or the driver left the scene without providing them with it?

 

When a Driver Neglects to Provide Their Insurance Information After an Accident

 

If a driver doesn’t obtain the at-fault party’s insurance information at the scene of the accident, they won’t have any of the information needed to file a claim with that driver’s insurance carrier. And the longer it takes an individual to initiate the claims process, the longer they will have to wait to collect any compensation they may be due.

While a car crash victim should be able to obtain this information by requesting a copy of the police report, given the police were called to the scene, most of the individuals who are involved in a car accident in Florida often need money right away so they are able to get their vehicle repaired and can pay for their visits to the hospital or doctor.

 

Pappas and Russell, P.A. Helps Car Accident Victims Recover the Compensation They are Due

 

If an individual was recently involved in a car crash in Daytona Beach, FL and they are looking to recover compensation for their accident-related expenses, the Daytona Beach accident lawyers at Pappas and Russell, P.A. are available to help. Whether the individual neglected to collect the driver’s insurance information or is having trouble getting the insurer to pay their claim, the attorneys at Pappas and Russell, P.A. are more than qualified to help an accident victim recover any money they may be eligible to receive.

 

Pappas and Russell, P.A. is located at:

 

213 Silver Beach Avenue

Daytona Beach, FL 32118

Phone: 386-254-2941

Website: www.pappasrussell.com

 

Source:

  1. https://www.flhsmv.gov/insurance/