Tickets get handed out at crash sites like candy. If you were speeding and a cop saw, you get a ticket. If you ran a light or did a slow-roll at a stop sign, you get a ticket. If the cop believes or has reason to believe that you were on your phone, then you get a ticket. Now, they issue tickets to help narrow down and close out their investigation. They may also issue that information in a way to aid the insurance companies with their appraisal and reviews.
Citations don’t inherently mean that you did anything wrong, only that there was suspicion. You can always fight a ticket, especially with the help of a Tampa auto accident lawyer. But the bigger matter at hand is your insurance compensation. What happens if you got a ticket at the crash scene, and you need to report your injuries and damage to your insurance company? Will it affect your claim?
Tampa Laws on Insurance
No-fault states such as Florida allow drivers to access insurance coverage regardless of whether they were at fault or not. It makes a lot of sense that if you’re paying for something, they should always pay out. But, they do use police reports to help determine other elements of your coverage. For example, if you received a ticket for a DUI, then you might have a serious amount of trouble keeping coverage after that crash and ticket combination. But, if you get a ticket for speeding a few miles over the posted limit, you’re probably fine.
The laws on insurance govern how the insurance companies should process these claims, but often insurance companies will do everything they can to skirt paying out.
While Florida is a no-fault state, they still use a pure comparative negligence law that allows drivers to seek compensation from the at-fault driver to the extent of the percentage that driver was at fault in some situations. We mean that you can’t pursue a civil lawsuit against the other driver in every case, but in some cases, you can.
What happens here is that your insurance is not like traditional car insurance or options that you would find in about 38 other states. In fact, your insurance is personal injury protection insurance. The police exist only to cover medical bills and property damage. In some events, the policy will become available to certain family members in the event of wrongful death.
Personal Injury Protection protects the people and the property under the policy. However, it doesn’t span to cover other elements of the crash damages, such as the time that you lost at work. In fact, PIP doesn’t cover any non-economic damages, either of which can be distressing for many people after a crash.
It Doesn’t Matter If You Were Issued a Ticket
It really doesn’t matter if you were issued a citation or a ticket at all because of how PIP insurance works. Essentially, your rates will go up no matter what. If you get a ticket, your rates will increase. If you get into a crash, your rates will increase. Because there’s a no-fault element, there is really no reward for good driving, especially when you’re involved in a crash. To them, the damage is done, and they’re paying, so they’re going to charge you more.
So many people stress over receiving a ticket at the scene of the crash but take a breath. This is not the primary issue that you’ll need to worry about during your crash resolution. Take the ticket. You may even choose to fight it later, but worry instead about your health and your recovery.
Fighting For Coverage with a Tampa Auto Accident Attorney
One of the great things about living in a no-fault state is that your insurance should payout no matter what. However, anyone who has lived in Tampa, or Florida will tell you that it’s still a struggle. Insurance companies are still expecting to make only a minimal payout. Because of the no-fault system, it’s likely that you won’t have the opportunity to recover non-economic damages. That means that you may have extensive losses that you can’t recover.
However, it’s important to note that you might have an opportunity to explore further compensation. For example, a ticket at a crash site doesn’t mean that you can’t get coverage. It also doesn’t mean that the person really responsible for your crash gets out of everything. Contact Winters Yonker for full support.