Lincoln MKT, 2010, Florida Car Insurance Accident

Lincoln MKT, 2010

The all-new 2010 Lincoln MKT is larger than the two-row Lincoln MKX mid-size premium crossover and joins the sumptuous and sporty Lincoln MKS luxury sedan launched in 2008 and the new Lincoln MKZ sedan that hits the market in spring.

Standard on every Lincoln MKT is the brand's signature design - complete with a split waterfall grille, a beveled chamfer along the vehicle's shoulder line, a flowing cantrail that frames the greenhouse and full-width horizontal taillamps that span the subtly curved weight-saving magnesium liftgate that adds visual character while protecting generous rear cargo space.
Precision Lincoln MKT craftsmanship is reflected in world-class panel margins, and in the high tactile quality of interior surfaces and trim.

How to best specify Lincoln MKT, which offers:

Customers' choice of a standard fixed glass Panoramic Vista Roof™ with power-assisted front and rear sunshades - or the available Power Panoramic VistaTM roof
Either six- or seven-passenger variations with two different second-row seating configurations. A standard 60/ 40 split folding rear bench seat features heated outboard seating positions. Power "fold and tumble" bucket seats, with heating, cooling and power-assisted lumbar adjustment are also available. A rear console-mounted five-quart-capacity refrigerator is available in the individual bucket seating configuration
Second-row footrests and an available dual headrest Family Entertainment System with twin 7-inch DVD playback screens offering individual or simultaneous programming
A litany of exterior paint colors, including Ingot Silver Clearcoat Metallic, Tuxedo Black Clearcoat Metallic, Red Candy Tint Clearcoat Metallic, Cinnamon Clearcoat Metallic, Steel Blue Clearcoat Metallic, Gold Leaf Clearcoat Metallic, Sterling Grey Clearcoat Metallic and White Platinum Tri-Coat

Balancing power and efficiency
Fuel-efficiency also comes standard on the Lincoln MKT - and customers have a choice of two powerful yet practical V-6 engines.

A 3.7-liter, 24-valve variation of the award-winning Duratec engine family is standard. Delivering an expected 268 horsepower at 6,500 RPM and 267 ft.-lb. of torque at 4,250 RPM, this engine has been tuned to provide brisk acceleration and smooth power delivery.

Significant engineering and development time were invested in the 3.7-liter Duratec V-6 to deliver best-in-class noise, vibration and harshness (NVH) control. Lincoln MKT was benchmarked for interior quietness to allow normal conversation within the vehicle, using an articulation index.

A two-speed fuel pump and Aggressive Deceleration Fuel Shut-Off (ADFSO), combined with optimized transmission and final drive gearing, are designed to allow this engine to deliver segment-leading fuel economy for Lincoln MKT.

Even more performance driving feel, Lincoln MKT also offers a 3.5-liter twin-turbocharged EcoBoost V-6. This engine provides the power of a normally-aspirated V-8 with V-6 fuel economy. This advanced engine delivers a class-leading estimated 355 horsepower at 5,700 RPM, while generating 350 ft.-lb. of torque at 3,500 RPM.

Lincoln MKT is equipped with a six-speed Select Shift automatic transmission. The advanced gearbox offers the driver a choice between fully automatic operation and manual control.
The paddle shifters are integrated into the steering wheel spokes. Intuitive to operate, a squeeze back on either paddle will deliver an upshift, while a gentle push forward on either paddle will induce a "matched-rev" downshift.

The capability makes the Lincoln MKT driving experience sporty, yet smooth. Unlike other competitive transmissions, Select Shift won't "second guess" the driver with an override shift. With Select Shift, manual control is truly manually controlled.

The Lincoln MKT with the standard 3.7-liter V-6. The AWD option enhances the vehicle's capability in a variety of weather conditions. The sophisticated AWD system is fully automatic, using an advanced array of internal electro-mechanical clutches to efficiently distribute torque between front and rear wheels as needed. AWD is standard in the Lincoln MKT with the EcoBoost 3.5-liter V-6.

Quiet, confident motoring
Key elements of Lincoln MKT suspension development and tuning included minimizing front end lift on acceleration, offering stable and engaging steering and handling characteristics that provide confidence to all drivers, all while delivering a luxurious ride quality consistent with Lincoln brand character.

A new rear suspension system features a "one for one" shock absorber ratio. The resulting linear response gave the engineering team a stable base line for suspension tuning, allowing the team to deliver a better balance between responsive handling and control as well as a smooth ride. It also improves rear suspension isolation and enables the use of 20-inch wheels.

Lincoln MKT delivers a new level of quiet confidence that delivers best-in-class levels of NVH control. Virtual modeling and wind tunnel tests helped engineers optimize the vehicle, influencing everything from side view mirror placement and special sound deadening in the bulkhead to extensive exhaust system isolation and the inclusion of both an acoustic windshield and dual-layer front side glass to specifically reduce A-pillar wind noise.

On the 3.5 Eco Boost V-6 equipped versions, engineers directed additional effort to minimizing induction noise, while still providing a rewarding aural cadence to Lincoln MKT acceleration.

Premium innovations
Lincoln MKT delivers abundant technologies aimed at making life luxurious for both the driver and three rows of passengers. A holistic approach was used to develop these amenities, where ease of use and intuitive operation were key objectives. Nowhere is this focus more apparent than with Active Park Assist.

The Lincoln MKT with Eco Boost features advanced Electronic Power Assisted Steering (EPAS), which enables the optional Active Park Assist. This innovative Lincoln-exclusive technology employs an ultrasonic-based sensing system, as opposed to video camera-reliant competitive offerings, making hands-free parallel parking a breeze.

The Active Park Assist works at the touch of a button, requiring less driver programming, reducing the risk of selecting an inappropriately sized parking space, detecting edges of adjacent objects to calculate optimized trajectory and "steering" the Lincoln MKT while coaching the driver through conventional throttle and braking inputs.

The Lincoln MKT customer convenience features:

Adaptive Cruise Control (ACC) allows the driver to set and maintain vehicle speed, while radar monitors traffic ahead of the Lincoln MKT. This optional system automatically adjusts speed and slows the vehicle to maintain the set distance behind traffic ahead.
Intelligent Access with Push Button Start allows the driver to enter the Lincoln MKT and start the engine without using the key. Entry is made easier as drivers simply carry the special fob as they approach the vehicle and start the engine by pushing a button.
Securi Code Keyless Entry Keypad allows access to Lincoln MKT by unlocking the driver's door by entering a pre-set five-digit code in the flush-mounted, backlit keypad integrated into the B-pillar.
Adaptive Headlamps with Standard High-Intensity Discharge (HID) Lamps enhance nighttime visibility. Sensors monitor Lincoln MKT speed and steering wheel input to engage headlamp movement to increase the driver's field of vision.
Auto High Beams coupled with Adaptive Headlamps enhance nighttime visibility by switching to high intensity when no other vehicles are in range.
Rain-Sensing Wipers use an optical sensing system to gauge precipitation and automatically activate and adjust the wipers.
Easy Fuel Capless Fuel-Filler System self seals when refueling is complete.
My Key allows parent or other concerned owners to restrict certain Lincoln MKT features when in the hands of a My Key driver. My Key encourages safety belt usage, provides earlier low fuel warnings, engages applicable driver aid systems and sounds speed chimes at preset levels while limiting audio system volume and top vehicle speed.
Blind Spot Information System (BLIS) comes into play when a turn signal is activated. A radar sensor on the outboard rear quarter panel monitors the traditional blind spot area and can notify the driver with a warning indicator light in the corresponding side view mirror if the sensors in this optional system detect a vehicle in the blind spot.
Cross Traffic Alert uses BLIS sensors to help detect traffic when backing out of a parking space. When the vehicle is in reverse and it senses traffic, mirror warning lights illuminate and audible signals sound.
Spotter Mirrors add secondary convex spotter mirror panels in the top outer corner of the side view mirrors, specifically oriented to reflect objects often lost in a driver's blind spot.
Reverse Camera System, a standard Lincoln MKT feature, uses the centerstack-mounted touch/ navigation screen for projection and activates upon reverse gear engagement.
Lincoln SYNC is standard on Lincoln MKT. This award-winning voice activated communications and entertainment system developed by Ford and Microsoft fully integrates Bluetooth®-enabled mobile phones and digital media players into the vehicle.

Neural Surround provides the Lincoln MKT audio upgrade a unique new technology for improving the surround sound experience from compressed digital music formats. In addition, a SIRIUS Travel Link™ prepaid subscription is included with the Navigation Package providing coast-to-coast weather data, forecasts, fuel prices, sports scores, movie listings and more.

The Navigation Package also enables the driver to display personal photos on the centerstack-mounted touchscreen. The system can store and display up to 32 photos, sized 1.5MB or less. The home screen can be personalized, by display or desired information or photos in one, tow or three panel views.

Both systems feature an internal Jukebox hard drive for storage of up to 150 hours of recorded audio entertainment. Users can browse the Jukebox via touch screen or voice control. Gracenote® technology will display the CD cover when a selected track is playing.

Technology under the skin
The Lincoln MKT features a new technology aimed at helping make driving safer.
Collision Warning with Brake Support, enabled by Adaptive Cruise Control, provides the driver with a "heads-up" display that flashes on the windshield when the system senses slower moving traffic ahead. If the driver doesn't respond, the system will pre-charge the brakes to prepare the vehicle for a more aggressive stop.

The Lincoln MKT also features an advanced structural safety system that combines octagonal front frame rails, tunnel rails, and support members that are designed to absorb and redirect crash forces away from the passenger compartment.

The SPACE system integrates a hydroformed high strength steel tube embedded in the floor that runs the width of the vehicle from B-pillar to B-pillar and along the rocker panels to form a safety cage to help protect passengers in side impact incidents.

Lincoln MKT features Ford's enhanced Personal Safety System, combining multiple technologies to tailor the air bag package and safety belt functions to the individual passenger and the accident circumstances. The system can identify variables, such as severity of the crash, weight of the individual passenger and safety belt usage to adjust air bag deployment force.

The Lincoln MKT safety technologies:

Safety Canopy is Ford's exclusive side impact protection system employing side curtain air bags to help protect front and outboard rear passengers in both rollover and side impact crashes.
Beltminder reminder technology for driver and front seat passenger, persistently taking over after the initial safety belt signal stops chiming.
SOS Post-Crash Alert System automatically flashes the turn signal lamps and sounds the horn following deployment of an air bag or activation of a safety belt pretensioner.

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Florida Car Accidents
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Fault: Florida has adopted the Pure Comparative Fault standard of negligence which means that if a person is partially at fault for causing his own injury in a car accident, his damages will be reduced by his percentage of fault.

FLORIDA CAR INSURANCE REQUIREMENTS AND LIMITS

Injury (single passenger): $10,000 of insurance coverage for injury to an individual.
Injury (multiple passengers): $20,000 of insurance coverage for the driver and other passengers in the car.
Florida Property Damage: The minimum property damage insurance coverage is $10,000 for a car accident.
Florida Small Claims Limit: If you are suing for damages of $5,000 or less, you must file in Florida small claims court.
Florida Personal Injury Statute of Limitations: A suit must be filed within 4 years after the date of the injury when involved in a car accident in Florida.
Florida Statutes Online: Fla. Stat. Ann. § 95.011 et seq. (Statute of Limitations for Personal Injury); Fla. Stat. Ann. § 627 et seq. (Insurance Requirements); Florida Rules of Court: Small Claims Rules, Rules 7.101-7.345 (Small Claims Limits).

FLORIDA CAR ACCIDENT REPORTS

Florida Police Reports: To request a police report from the Florida Highway Patrol, contact the local Florida Highway Patrol where the accident occurred. Complete a Request a Crash Report and mail it to the Florida Department of Highway Safety & Motor Vehicles.
DMV: If the car accident results in injury or death of any person, or there is apparent damage to the vehicle of more than $500, a Driver Report of a Traffic Crash must be filed as soon as possible with the local law enforcement department.
Insurance Notification: Notify your insurance company as soon as possible after the accident. Insurance companies have different notice requirements, so make sure to check your policy.

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