A car crash is any driver’s worst nightmare. However, the reality is that most drivers will be involved in an accident at least once in the course of their lives. Given the prevalence of car accidents, the law in nearly every state requires some form of car insurance for drivers to protect them and others against financial losses. In Florida, that insurance is called “PIP” coverage, which stands for personal injury protection. While PIP insurance still provides a safety net for Florida drivers in the event of an accident, legislators changed the state’s auto insurance system in 2023. This caused confusion among motorists who did not understand the new Florida PIP law. As a car accident attorney in Clearwater, Florida , I can explain everything you need to know about Florida’s auto insurance system to keep you up to date and make sure that you know how to use your PIP coverage in the event of an accident. At the Law Office of Alex Hernandez , I am available 24/7 to my clients and strive to provide personalized legal guidance to ensure that my clients feel support and peace of mind every step of the way.

Florida's status as a no-fault state means that after a car accident , each driver's insurance coverage is responsible for paying the medical bills and certain other expenses of the drivers and passengers involved, regardless of who was at fault for the accident. This system is designed to ensure that individuals receive timely medical treatment without the need to establish fault through the legal system. In Florida, drivers are required by law to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). With these protections in place, you may wonder whether or not Uninsured Motorist (UM) coverage is necessary. If the damages of your accident amount to more than the minimum coverage required by law, UM and Underinsured Motorist (UIM) coverage can provide additional protection for you and your passengers. As an experienced car accident attorney at the Law Office of Alex Hernandez , I've seen firsthand how crucial Uninsured Motorist (UM) coverage can be. It helps cover medical expenses, lost wages, and other costs that your PIP might not fully cover. Having this coverage means you're prepared for these situations and helps ensure you're protected financially even when facing the uncertainty of accidents with underinsured or uninsured drivers.

Parking lot accidents can happen to anyone. Despite their low-speed nature, parking lot accidents can be difficult to deal with when it comes to determining who's at fault. Challenges in visibility, the interplay of some traffic rules, and the typical lack of formal traffic guidance like signs or signals can contribute to accidents even at slow speeds. Understanding the common causes—such as distraction, failure to yield, or misjudgment of space—can be key in both preventing accidents and establishing fault when they do occur. At the Law Office of Alex Hernandez , located in Clearwater, Florida, I've seen parking lot accidents countless times. These types of accidents are common, but they come with their own unique set of issues.