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Post by Deleted on Apr 19, 2013 3:34:25 GMT -5
The PIP (Personal injury protection) law passed later in 2012. It vastly changes damages you can collect if you are in an automobile accident.
To the point... PIP only is required of 4 wheeled or more vehicles. If you are involved in an accident with a motorist in a car, it is no different than if you were hit on a bicycle. You are entitled to awards for pain and suffering amounts that well exceed the PIP caps if you had been driving an automobile. Those amounts are currenlt capped between 2500-10000 dollars and a "permanent" disability must be proven to get it. In the case of the scooter victim PIP would not be an option since you are not subject to the law, dont have to prove permemant injuries and only you and your attorney can negotiate an amount that is fair and usually far exceeds those PIP limits.
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Post by prodigit on Apr 19, 2013 3:37:20 GMT -5
Ok, so basically you're saying scooters have less rights than bicycles, correct?
It is ok, because FL is one of the few states that allow 49cc scoots, to go at unrestricted speeds (or 40MPH, usually the max speed for those kinds of scoots).
So you're saying as a scootard, you need to get PIP insurance?
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Post by oldbikerider on Apr 19, 2013 6:53:56 GMT -5
So max damages are 10 grand for injuries ?
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Post by waterboysh on Apr 19, 2013 6:55:52 GMT -5
So you're saying as a scootard, you need to get PIP insurance? You really should. You'll find that not all insurers offer it for motorcycles though. I had to switch from State Farm (which I've had for about 12 years) to Geico to even get the coverage. |
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Post by skuttadawg on Apr 19, 2013 9:50:48 GMT -5
I use Progressive and have PIP , med pay , roadside assistance , full coverage and extended under insured coverage in case my ER bill is more than the other person covers and its almost 300 a year for 2 scooters . If you do not have health insurance I suggest adding med pay which will pay for the ER if you wreck on your own like if a tire blows out .
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Post by devo344a on Apr 19, 2013 10:04:29 GMT -5
My neighbor has full coverage on his scoot and its only $  .00 a year here in NM |
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Post by skuttadawg on Apr 19, 2013 10:14:39 GMT -5
Are you 100 % sure on that Devo ? in SC basic liability in SC is a year on a 150cc scooter |
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Post by prodigit on Apr 19, 2013 12:35:55 GMT -5
Progressive charges $75 for a 49cc scooter per year, here in Miami, and <$120 for <650cc motorcycle a year. Their prices are really good; but since I generally never have accidents, I don't take it.
Also, since it's not a requirement in FL as far as I know, if you ever end up in an accident, by no fault of your own, you still get royalties; even without insurance.
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Post by waterboysh on Apr 19, 2013 13:48:00 GMT -5
Also, since it's not a requirement in FL as far as I know, if you ever end up in an accident, by no fault of your own, you still get royalties; even without insurance. That's actually a common misunderstanding of the no-fault law we have. If the person that hits you doesn't have insurance all you can do is sue them. If they don't have any money then you're just screwed. I know this from experience. I got rear ended by this lady and she screwed my car up bad. Hardly put a dent in hers. We could have taken her to court and caused her to go into bankruptcy because she wouldn't have been able to pay for the damages, but we settled outside court. We didn't want to have to deal with it. I was out quite a bit of money though. The way to protect against that is to have uninsured motorist insurance. If the person that hits you has no insurance or is under insured that's when your uninsured motorist insurance kicks in. If you are a pedestrian and you get hit by a car it's basically the same thing, except you can't rely on your uninsured motorist because it only applies if you are in your insured vehicle. At this point, you have to rely on your health insurance to foot the bill. |
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Post by SylvreKat on Apr 20, 2013 7:03:28 GMT -5
Are you 100 % sure on that Devo ? in SC basic liability in SC is a year on a 150cc scooter My full coverage minus med is not quite $80 a year. Plus med, it would be something well into the hundreds. I don't remember the actual 'cause I have health insurance so didn't take it, but $200-something sticks in my mind. >'Kat |
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Post by waterboysh on Apr 20, 2013 9:23:32 GMT -5
Are you 100 % sure on that Devo ? in SC basic liability in SC is a year on a 150cc scooter My full coverage minus med is not quite $80 a year. Plus med, it would be something well into the hundreds. I don't remember the actual 'cause I have health insurance so didn't take it, but $200-something sticks in my mind. >'Kat This was the case with Geico as well. Even just to add the lowest amount of additional medical coverage ($10,000) added around $300 to the annual premium. |
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.00 a year here in NM
