Has Your Teenager Been Involved in an Auto Accident?
If your teen has been involved in a car accident, they can follow these steps:
- Take pictures of the vehicle and your teen's injuries.
- Get your teen to a doctor to be checked over within 14 days of the accident.
- Do not give any recorded statements to any insurance companies, including your own.
- Do not allow your teen to talk to any insurance agents until an HLH attorney is present.
How Will This Impact Your Insurance?
If your child has been in an auto accident, it will effect your insurance coverage, regardless of who is at fault. Some additional coverages in your policy you may need to be aware of include:
- Personal Injury Protection (PIP) - $10,000.00 in coverage for immediate medical care.
- Med Pay - coverage for additional medical needs not covered by PIP.
- Bodily Injury - coverage or medical care, pain/suffering, and more held by the at-fault driver.
- Collison Coverage - coverage to repair your vehicle on your insurance.
- Property Coverage - coverage to repair your vehicle by the at-fault driver's policy.
- Uninsured/Underinsured Motorist Coverage (UM) - additional coverage for your medical care and pain and suffering when the at fault driver is uninsured or underinsured.
- Workers Compensation
- available if your teen was driving for work at the time of the accident.
Was Your Teenager Blamed for the Accident?
Florida is a comparative negligence state. This means that even if your teen was cited for the accident by law enforcement, the other driver can be held responsible for a portion of your teen's medical care and property damage. If your teen was driving for work at the time of the accident, fault is irrelevant to get benefits. Call our team today at 239-232-5050 for a free consultation and more information.
