Bodily injury covers the cost of bodily harm when an accident is your fault or the fault of someone driving your car with your permission. Usually, bodily injury liability is split between what it will pay for injuries per person and the maximum it will pay per accident. The state of Florida requires privately owned motor vehicles that are licensed and registered in Florida to have a kind of no-fault insurance coverage called Personal Injury Protection. PIP is an insurance protection that pays you and occupants of your vehicle for any kind of personal injury caused by a driver who does not have insurance. This means you have protection even if you are not at fault in the accident and even if the other person does not have insurance.
People can be emotional after an automobile accident.
Staying calm will help you handle things better. Call the police. Do not volunteer information about the accident to anyone except the police and your insurance company. Ask police for a copy of the accident report. Driving under the influence includes alcoholic beverages, model glue and other controlled substances.