Currents April 2020 Apr 2020 Currents web | Page 11

Currents
April 2020
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need to know.  If you own a car, your car insurance
PIP (no fault) coverage will be your primary medical
insurance for hospital and doctor bills.  Just as you
would do if you were injured driving your car, you
should contact your car insurance immediately to
report the accident and get a claim number for your
PIP coverage.  You should also obtain the driver
exchange information to get the information on the
driver of the vehicle that hit you, including their insur-
ance company.  Any injury claim that you have will
first be against that driver’s bodily injury liability cov-
erage. If you do not own a car, the driver’s PIP will
be primary for your medical bills.
Since Florida does not require bodily injury liability
coverage, it is possible that the driver will only have
the basic PIP, which will not help you. Therefore, it is
very important that you also have uninsured motorist
coverage for your vehicle so that you can still obtain
a settlement for your injuries.  I recommend at least
$100,000 per person for uninsured motorist cover-
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