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Old 10-04-2011, 05:57 PM
 
515 posts, read 1,351,710 times
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Florida law says that the first $10,000 of any personal injury claim is covered by your PIP coverage. The at-fault driver can be sued for anything that goes over $10,000, which is basically any trip to the ER when major imaging tests are done.

The fact that your Ohio insurance doesn't have PIP is really immaterial here. Statutorily the at-fault driver is not liable until you have spent over $10,000. Now the other driver could have bodily injury liability, but that's optional. It sounds like they don't.
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