AUTO/MOTORCYCLE
I. Most auto accidents involve law suits against insurance companies. We explore every avenue of liability coverage in order to maximize recovery for our clients. In addition to a negligent driver, we have handled cases where the following parties have been held liable for the injuries caused in an automobile/motorcycle accident:
Owner of the vehicle
Automobile Manufacturer or Part Supplier
Leasing Company
Rental Car Company
Automobile repair shop
Corporation which owns vehicle involved in the accident
Municipality
Property owner of the location where the accident occurred or owners of real estate in the immediate vicinity.


Florida law requires drivers to have at least $10,000 in personal injury protection (also known as “PIP”) and $10,000 in property damage liability, which pays for damages you cause with your car to another person’s car or property.
I PIPPersonal injury protection is a no-fault type of coverage that pays you and covered family members for certain accident-related medical expenses regardless of who caused the accident. Basic PIP covers these items, up to the dollar limits of your coverage:

80 percent of reasonable medical expenses
60 percent of lost wages and replacement services, such as childcare, home or even yard cleaning
$5,000 for death benefits

For higher premiums, you can purchase medical payment coverage and lower or eliminate deductible. Different insurers may offer different PIP packages, so check with your agents or do some comparison shopping on your own.
Deductibles are an important element of PIP coverage. Florida insurers are required to offer PIP deductibles of $0, $250, $500, $1,000, and $2,000 (they may offer more choices at their discretion)? You do not have to accept any deductible if you want what's often called "first dollar"protection.

Optional Additional Insurance (we highly recommend)Additional PIP, more property damage coverage, substantial bodily injury protection, collision and comprehensive and Uninsured Motorists (“UIM”) coverage are all good ideas for most drivers. In Florida you can get UIM coverage in what are called "stackable" and "non-stackable" forms.
Stackable coverage means the UIM coverage limits for each car covered on your policy can be added together. So, if you insure three cars and have stackable UIM of $10,000 per person and $20,000 per accident usually states as "10/20" the actual protection if one of these vehicles were involved in an accident with an uninsured motorist would be "30/60".
Non-stackable coverage is a cheaper form of protection that limits coverage to individual vehicle limits, Insurers are not required to offer non-stackable coverage.

Although Florida has no-fault PIP, you can get more complete coverage by paying additional amounts for medical payment coverage. One benefit here would be to pay the 20 percent of expenses not covered by PIP, but your PIP
PIP claimsIf you file a claim under the PIP portion of your coverage, your insurer must provide you with a notice of your rights, including available benefits, exclusions and limitations of PIP coverage plus information about when payments are due. Once the insurer has received written notification of PIP losses the company must pay you or your medical provider within 30 days or you are entitled to earn 10 percent interest on the amount of your loss until it is paid.

In Florida the required coverage for a motorcycle is quite different from that required for a private passenger vehicle. In fact, there is currently no requirement to have insurance coverage on a motorcycle in order to register or operate the motorcycle in the State of Florida.

This creates quite a problem for any individual involved in an accident that was caused by a motorcyclist. In these cases medical bills are paid by the injured parties health or hospitalization insurance, if the claimant is lucky enough to have such coverage. If not, a motorcyclist's bills could remain outstanding until the conclusion of his or her case at which time medical bills can be paid out of settlement proceeds.

Medical payment coverage which differs from Personal Injury Protection (discussed in the previous section) is available to the motorcyclist. We recommend that all motorcyclists purchase medical payment coverage on a motorcycle. This coverage will pay reasonable and necessary medical bills as incurred up to the policy limit of coverage.