Knowledgeable Motorcycle Accidents Attorney Securing Compensation for Apopka & Central Florida Personal Injury Victims
Riding a motorcycle is a fun and economical way to get around, but it also more dangerous than traveling by car simply because you are more exposed and much smaller than the other vehicles with which you have to share the road. If you have been injured while riding your motorcycle because of the irresponsible or oblivious driving behaviors of other drivers, you deserve to be financially compensated. Cressman Law Firm, P.A. can help you collect this compensation and hold those responsible accountable for their actions.
Understanding Florida’s No-Fault Insurance System
Florida is different from many other states in its insurance system. Ours is what is called a “no-fault” or “comparative fault” insurance state, meaning that your own insurance will likely pay for your injuries and damages following a motorcycle accident. This is true even if you didn’t cause your accident. Every driver is required to carry personal injury protection (PIP) insurance in addition to normal auto insurance for this reason.
Understanding the Injury Threshold
What this means for personal injury cases is more nuanced. PIP insurance does not allow you to seek compensation for pain and suffering, since your insurance provider is not responsible for your accident. Therefore, if your injuries are very severe or catastrophic, you may be able to sue the other driver for additional damages to make up for the difference between what your insurance provider will pay and your ongoing medical needs. This is called the injury threshold. Generally speaking, you exceed the injury threshold if you experience any of the following:
- Permanent injuries, e.g. paralyzation or vision loss
- Significant or permanent disfigurement, e.g. loss of limbs or severe burns
You may also sue the other driver for physical damages to your vehicle, as these are not covered by your PIP insurance.