Unlike many other states, Florida is a no-fault automobile insurance state. This means that all drivers are legally required to carry personal injury protection (PIP) insurance.
PIP insurance is auto insurance coverage that pays for medical expenses, lost wages, and other related costs resulting from an auto accident, regardless of who is at fault.
The question is, if PIP insurance is designed to provide immediate financial assistance to those injured in car accidents, why is a police report necessary to obtain damages? We have answers.
Is Everyone Involved in a Car Crash in Florida Required to Contact Law Enforcement?
Section 316.065, Florida Statutes, requires the driver of a vehicle involved in a crash involving injury or death to a person, or at least $500 estimated vehicle or property damage, to immediately contact local law enforcement.
If you fail to report a car accident, you may face noncriminal penalties or a fine in Florida, and if you leave the scene of a crash, you could face criminal arrest and prosecution under Sections 316.061 and 316.027, Florida Statutes.
How Can a Police Report Help Support My Florida Auto Accident and Injury Insurance Claim?
Police reports play a crucial role in Florida auto accident and injury claims by providing an official and detailed account of the incident, which can significantly impact the outcome of any legal or insurance proceedings.
When law enforcement officers arrive at the scene of an accident, they collect essential information, including the involved parties’ contact and insurance details, witness statements, and a narrative of how the accident occurred. This report often includes diagrams of the accident scene, weather conditions, and any traffic violations or citations issued, which can help establish fault and liability.
According to the Florida Highway Safety and Motor Vehicles, drivers must have proof of a minimum personal injury protection (PIP) insurance coverage of $10,000. This will cover 80% of medical expenses up to the policy amount for covered injuries, no matter who caused the crash.
Even with your coverage, a police report can still be pivotal in cases where claims exceed personal injury protection (PIP) limits or involve serious injuries.
The police report is reliable evidence for insurance adjusters and legal representatives when negotiating settlements or presenting cases in court. It provides an unbiased third-party account that can corroborate the involved parties’ testimonies and clarify disputed facts.
Contact Our Attorney at Trombley & Hanes Today
Ultimately, a well-documented police report can enhance the credibility of a claim and support the injured party’s pursuit of fair compensation. Our Tampa car accident and injury lawyers can help you understand which insurance policies apply to your claim, starting with a free consultation. Contact us at 813-229-7918 or online to learn more.
