How Florida Insurance Companies Handle Multiple Car Collisions

Recently there was a national news story about a multiple car collision that involved over 100 vehicles. Multiple car collisions are becoming more common in Florida and other states, because of high rates of speed, distracted drivers, intoxicated drivers, and many other issues. Take for example the tragic multi-car pileup that happened on I-75 when smoke from a brush fire reduced visibility on the highway suddenly. It pays to drive defensively and safely when you are on the expressway. It’s also important to know how insurance companies in Florida handle accidents involving more than 2 vehicles.

Insurance Laws In Florida

Florida is a no-fault state when it comes to collisions. Each driver is required to carry a minimum of insurance which pays out for personal injury sustained in an automobile accident, as well as damage to the vehicle. This simplifies the problem of who is at fault in a multiple car accident. It doesn’t matter whether there are four cars involved or 400. Unlike other states, when a driver is involved in an accident, his own insurance pays for recuperation from his injuries. There is no remediation from the insurance company of the driver at fault.

Exception To The No-Fault Provision

The notable exception to this rule is if the accident causes serious or permanent injury, such as permanent scarring, the permanent loss of an important bodily function, or the loss of a limb. In that case, a driver can pursue damages against the driver at fault.

Unfortunately, in a multiple car collision, it can be difficult to determine who is at fault. Automobiles involved in a multiple collision may be driving safely, yet be involved in a chain reaction of collision that produces a domino effect. Claims against other drivers can take a long time to settle in such cases.

This highlights the importance of making sure that you are adequately insured before driving on Florida expressways. Drivers should make sure they are carrying the minimum of auto insurance required by law, to avoid having their driver’s license revoked.