When a child suffers personal injuries as a result of the negligence of another person, business or government, a parent is often challenged by the many issues that arise related to a child’s personal injuries One issue or challenge that is common in most cases is the availability and understanding of insurance available to compensate the child / parent for the automobile accident related injuries. When a child suffers a personal injury, there may be insurance that is available for the injured child. The type of insurance depends on the negligence or fault involved, the type of coverage obtained by the parent, the type of insurance obtained by the at fault driver, the type of insurance obtained by the at fault vehicle owner, and other factors. The injured child may qualify for benefits if the child is a driver, passenger, bicyclist, or pedestrian injured as a result of a Florida Automobile Accident. The child may qualify for benefits under the vehicle that hit the child, the vehicle occupied by the child, and/or an automobile insurance policy of the child’s parents. If a child qualifies for insurance benefits, the automnobile insurance company will require proof of injury including but not limited to medical bills, medical expenses, photographs, video, diagnostic testing, and other evidence. The types of insurance coverage under an automobile insurance policy may include the following:
*Personal Injury Protection (PIP);
*Med Pay (Medical Payment);
*Bodily Injury (BI); and
*Uninsured Motorist / Underinsured Motorist (UM).
In the State of Florida, the laws are slightly different for a child injured as a passenger in a motor vehicle when compared to a child injured as a bicyclist or pedestrian. Florida laws and insurance coverages can be quite complicated. Because of this, it is important for a parent to obtain advice, consultation, and legal representation when a child is injured as as result of an automobile accident. The book titled – The ABCs of Child Injury – Legal Rights of the Injured Child – What Every Parent Should Know – has chapters on Automobile Accident, Medical Bills / Medical Treatment, and other topics. You can get this book for free at The ABCs of Child Injury.