Q: If my sons are both passengers in a car in Florida, get rearended by the at fault driver, who insures my boys?
We have insurance but we weren't involved and they want to use ours and I feel that's not fair because it can make our rates increase. Both my wife and I were at work when we heard about the accident but our car insurance should be involved?
Assuming you own, or whoever the boys live with own a vehicle then your insurance will cover up to 10,000 each in medical expenses.
Beyond that you will need to see if the at fault party and vehicle owner carried bodily injury coverage. If not, you would have to carry um motorist coverage.
This is referred to as Florida's No Fault law. Your insurance (if the boys reside with you) covers the first $10,000.00 of injuries. This type of coverage is called PIP (Personal Injury Protection). Most policies pay 80/20. ie the insurance pays %80 of each charge and you get billed the 20%.
If your boys were injured you should speak with a personal injury attorney in your area right away.
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