Articles Tagged with Florida automobile accident

Pick Up Truck SilverIn the State of Florida, there is a minimal type of coverage that needs to be in place to own and operate a motor vehicle.   Many people do not understand these minimal requirements.  In fact, many people are drive in the State of Florida under the impresssion that he or she has “full coverage” when there is only minimal coverage in place.  One reason that people are not better informed is because many such automobile insurance policies are obtained online.   There is no contact with a qualified insurance agent or just minimal contact with an insurance agent.  It is important for every driver and owner of a motor vehicle in the State of Florida to know and understand the types of insurance coverage currently in place on the policy and otherwise available for purchase.
By the time a person is an automobile accident, it is too late to purchase additional coverage or get coverage in place if it had lapsed.  The time to get the insurance papers and coverage in place is prior to the accident.  Here are the types of coverage available in the State of Florida:
Property Damage Coverage.   This type of insurance will pay the other vehicle owner for his or her property damage if you are at fault for the accident.  Minimum state required coverage is set at $10,000.   Additional coverage can be purchased which will result in higher premiums.   If a person has property damage in excess of $10,000 and you only have $10,000 in coverage, the other vehicle owner can come after you for the additional damage.  Your insurance company is only obligated to pay out what you purchased in insurance coverage. It is advisable to get more than $10,000 in property damage coverage.

Car Keys Automobile Accident and InjuriesIn the State of Florida, a teen can get behind of the wheel of a vehicle as the driver at the age of 15.  Teens can get a Learner’s License or a Restricted Driver’s License at the age of 15.   If the teen driver meets the necessary driving requirements and then passes the driver’s test, then, at the age of 16, a teen can get a driver’s license that does not have the restrictions on it.  As such, in the State of Florida, we have teen drivers on the road between and including the ages of 15 through 19 years old.   When a teen is at-fault for an automobile accident in the State of Florida, the issue or question that arises is who is responsible for the careless driving or negligence.
For purposes of this article, we are going to restrict the commentary to the teen drivers in the following age range:  15 year old to 17 years old.   These drivers are still minors and the liability laws in Florida are different than those for an 18 year old or a 19 year old driver.  Here are the potential people liable for the negligence driving of a teen in the 15 – 17 year old age range:
1.  Teen Driver.   That’s right, a teen can be sued for his or her own negligence arising from an automobile accident.  The guardians or parents of the teen would need to be the representative relatives in the lawsuit but the teen himself or herself can be sued for his or her negligent actions or conduct.   In the State of Florida, a child under the age of 6 years of age cannot be held liable or responsible for his or her negligent conduct.  For children 6 years old and older, then a portion or even all of the negligence can be attributed to the child or teen. 
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