Eligibility

What company will issue me an SR-22 with 2 PIP claims?

I'm unaware of a specific company that will insure you with 2 PIP claims, but if you can't find an insurer, you can look into the Florida Automobile Joint Underwriting Association (FAJUA). They help people get insurance when they have no other options.

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Coverage & Claims

If two people are in an accident in a no fault state, who pays?

In Florida, you are required to have what's called personal injury protection (PIP). This coverage kicks in if you are injured in an accident.

Car Insurance Costs

Will my insurance decrease after my PIP claims expire?

A Personal Injury Protection (PIP) claim, will impact your rates for up to three years. Unfortunately, in Florida, there have been many fraudulent PIP claims that have caused the cost of insurance to rise, especially when you do have a PIP claim.

Coverage & Claims

If I have an open claim on a totaled car, how do I handle the insurance?

There's a couple of things to think about. First, canceling the coverage on this vehicle will not cancel the claim. As long as the policy was active at the time of the accident (which it sounds like it was), you should be fine. Second, if your car is totaled, you can cancel your insurance if you are not getting another car in the near future.

Car Insurance Costs

Does my 20 year old need his own car insurance policy?

Since he lives in Florida, he will need to get his own policy. He is still considered a young driver and Florida requires Personal Injury Protection (PIP) which makes the rates more expensive than Tenessee.

Coverage & Claims
Eligibility

Can I sue my boyfriend's insurance for medical coverage?

Sorry to hear that you were hurt. If you are on the insurance policy you can file a claim under the Personal Injury Protection (PIP) coverage.

General Insurance

Can't get insurance after PIP claims in Florida

This really depends on how many PIP claims you have. If you have one, there are still several companies that will insure you but some require more coverage and other requirements.

Car Insurance Costs
Eligibility

PIP claims are keeping me from getting car insurance

It's hard to give advice for this outside of look at as many companies as possible. Because of the nature of risk associated with customers with PIP claims, car insurance companies either won't write you a policy or will charge you a very high premium.

Car Insurance Costs
Insurance Companies

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First things first, Michigan car insurance rates are notoriously high. This has to do with the fact Michigan is a no-fault state with unlimited Personal Injury Protection.

General Insurance

What does Personal Injury Protection really mean?

Medical payments will pay for your injuries no matter who is at fault in the accident and can pay for the injuries of the other passengers in your car as well. Typically, you will only be paid for the cost of the injuries within the limits of the other person's liability limits.

General Insurance

How does being rear ended affect your car insurance in a no-fault state?

Because of the way Utah's no-fault car insurance works, every driver is required to file a claim with their own insurance company after an accident, regardless of who was at fault. This is typically covered by your Personal Injury Protection coverage. Unfortunately, this can make your car insurance very expensive as companies are wary of drivers with these types of claims even their cost and propensity for insurance fraud.
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