A person really has to wonder why senior citizens are required to pay for Florida No-Fault Insurance on their cars. Every citizen in Florida that owns a car that is operable is required to have Florida No-Fault Insurance, also called Personal Injury Protection (PIP). You cannot get auto tags for your car unless you have Florida No-Fault.
Florida No-Fault is a limited form of insurance. It pays 80% of medical bills and 60% of lost wages if you are injured in a car accident. It does not pay for inconvenience, aggravation, or pain and suffering.
Senior citizens already have Medicare, so they don’t need No-Fault to pay their medical bills. Senior citizens are usually retired from work, so they don’t need No-Fault to pay for lost wages. It should be obvious to everyone that senior citizens are being asked to pay for a type of insurance that they really do not need.
The same can be said for any citizen in Florida that has health insurance and a wage loss disability policy. A person who has health insurance and a disability policy already has the same insurance that is provided by No-Fault. Why pay for No-Fault?
It is true that No-Fault provides coverage for passengers in your car under certain circumstances. If these passengers do not have their own insurance coverage, No-Fault can be valuable insurance for these passengers. Also, if you are at-fault for an accident, the property damage liability portion of a basic No-Fault policy will pay up to $10,000.00 for damage that you caused to someone else’s property.
But should senior citizens really be required to pay for No-Fault medical and wage loss insurance when they have no personal need for it?
Jeffrey D. Starker has been an insurance and accident attorney in Orlando, Florida, since 1994. He formerly represented insurance companies, but currently represents people that have been injured in any type of accident.
Florida No-Fault is a limited form of insurance. It pays 80% of medical bills and 60% of lost wages if you are injured in a car accident. It does not pay for inconvenience, aggravation, or pain and suffering.
Senior citizens already have Medicare, so they don’t need No-Fault to pay their medical bills. Senior citizens are usually retired from work, so they don’t need No-Fault to pay for lost wages. It should be obvious to everyone that senior citizens are being asked to pay for a type of insurance that they really do not need.
The same can be said for any citizen in Florida that has health insurance and a wage loss disability policy. A person who has health insurance and a disability policy already has the same insurance that is provided by No-Fault. Why pay for No-Fault?
It is true that No-Fault provides coverage for passengers in your car under certain circumstances. If these passengers do not have their own insurance coverage, No-Fault can be valuable insurance for these passengers. Also, if you are at-fault for an accident, the property damage liability portion of a basic No-Fault policy will pay up to $10,000.00 for damage that you caused to someone else’s property.
But should senior citizens really be required to pay for No-Fault medical and wage loss insurance when they have no personal need for it?
Jeffrey D. Starker has been an insurance and accident attorney in Orlando, Florida, since 1994. He formerly represented insurance companies, but currently represents people that have been injured in any type of accident.
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