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Yes, it's possible to file an insurance claim without a police report. However, a police report can provide evidence that might support your claim. Some insurance companies might require it, especially in major accidents, to process the claim.
In 2021, the Florida Senate introduced SB 54, which would eliminate the mandatory PIP requirement for auto insurance. In its place, the new PIP reform law would require vehicle owners to carry: A minimum of $25,000 in bodily injury coverage. A minimum of $50,000 for two or more people in any one accident.
Many wonder, How long after a car accident can you sue in Florida? Florida limits injury lawsuits to within four years after a car accident. If your loved one died in an accident, however, the law restricts suits to within two years of the death.
Florida follows a ?pure comparative fault? rule. When more than one party is found to be negligent in an accident, each driver is held liable for their share of the total losses incurred in the crash. A percentage of fault will be assigned to each party involved.
Did you know that Florida law considers communications between police officers and parties involved in motor vehicle accidents to be privileged? In other words, statements made to the police cannot be used against you. This is called the Accident Report Privilege.
While some states have caps on damages, the state of Florida does not. There are no caps on economic damages, nor are there caps on non-economic damages. That means you can seek an amount of compensation that will adequately cover your losses regardless of how high your case's value is.
Due to Florida's no-fault laws, your insurance will pay for your auto repair after an accident you did not cause in Florida. However, if the costs of damages exceed your policy limits, you may qualify to recover additional compensation elsewhere.
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.