CAR INSURANCE EXPLAINED
It is recommended if within your financial means, to opt for as much coverage as possible. The following insurance guide is provided to let you know about all of the insurance options available and to help you understand which insurance benefits would best protect yourself and your family in the event of a car crash.
INJURED IN A CAR ACCIDENT?
More often than not, insurance companies use strategies to avoid paying your claim. The most common one is: deny, delay, and don’t pay. We can help answer any legal questions you have and will fight to get the compensation you deserve. Our staff will help you every step of the way and assist you with starting your claim, getting your car repaired, and getting your medical expenses paid.
Contact us today to schedule a free consultation.
COLLISIONIt covers property damage to your vehicle regardless of who is at fault. This is optional coverage in Florida, and a deductible may apply.PERSONAL INJURY PROTECTION (PIP)
WHAT TYPE OF CAR INSURANCE DO I NEED? DO YOU HAVE ENOUGH COVERAGE?
The minimum requirements for auto insurance coverage in Florida are:
$10,000 for personal injury protection (PIP)
$10,000 for property damage liability (PDL)
If you are involved in a car accident, regardless of who is at fault, your P.I.P covers:
80% of your medical expenses
60% of your lost wages
To claim the PIP benefits, you must receive treatment within 14 days of the crash. PIP covers medical services, medication, surgery and hospital costs, tests and diagnostics, ambulatory services, lost wages, and death benefits. The P.I.P benefit covers you, your spouse, and other relatives in the household.MEDICAL PAY OR MEDPAY
Medical payments (MP) are similar to PIP and is an optional coverage in the State of Florida. It covers medical expenses for the insured, other policyholders, passengers, and household members.
Med Pay covers the remaining 20 percent of your medical bills that personal injury protection (PIP) coverage does not, as well as any medical expenses beyond the $10,000 personal injury protection limit.BODILY INJURYIf you are found at fault for the car crash, the bodily injury liability coverage helps pay for the medical expenses and lost income, and pain and suffering the other driver(s) accrued as a result of their injuries. This coverage may also help pay for your legal fees if you're taken to court over the accident.NEW UNINSURED MOTORIST
Uninsured motorist coverage helps pay for your medical bills or car repairs if you're hit by a driver who is not insured or underinsured. In other words, If someone causes an accident that creates more damage than their insurance policy covers, under-insured motorist coverage will protect you for the difference.
Uninsured motorist covers your medical expenses, lost wages, pain and suffering, and any legal fees.
FLORIDA CAR INSURANCE GUIDE
Auto Insurance Information is brought to you by your Florida Auto Accident Law Firm.