Florida Car Insurance Coverage Options
You probably know that all drivers in Florida must carry automobile insurance that meets certain minimum limits. But those limits often are not enough to pay for medical bills, property damage, and lost wages that result from major accidents. These expenses can add up quickly and if you don’t want to pay them out of pocket, it is a good idea to purchase a policy that includes additional coverage and higher policy limits. Unfortunately, an alarming number of drivers in Fort Lauderdale, Broward County, and throughout South Florida do not have current insurance coverage. If you are injured in a collision with an uninsured or underinsured motorist, it is important that you explore all possible ways to recover compensation. This is where an accident attorney can help. Our car accident lawyers can help you figure out the best course of action for your accident case. Our team can also help direct you through the insurance claims process and manage all communication with your insurance company on your behalf.
Types of Insurance Coverages in Florida
Personal Injury Protection: All automobile insurance policies in Florida come with personal injury protection or PIP standard. This is because Florida is a no-fault state. PIP insurance covers you and any of your passengers who are injured in an auto accident regardless of who was at fault for the accident. Personal injury protection coverage will also cover injuries that you sustain as a passenger in another person’s car. Finally, personal injury protection will also cover you if you are injured as a pedestrian by another driver. Basically, Pip covers you regardless of fall. The minimum required insurance limits for car insurance in Florida are $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability (PDL). PDL pays for damages that you or certain members of your family cause to other people’s property in a collision.
Bodily Injury Liability Coverage: This type of insurance coverage pays for the expenses related to the death or injury of another person because of an accident you are responsible for. People that are injured by an insured can collect against their coverage to pay for their medical expenses, pain and suffering resulting from bodily injury, lost wages, and other miscellaneous expenses.
Collision Coverage: Collision coverage is the type of insurance coverage that pays out if you damage another driver’s vehicle in a car accident. Usually, vehicle damage would be covered under this part of the policy as it is concerned with compensation for property related aspects of the damages you may be responsible for. This is separate and distinct from the bodily injury portion of your insurance coverage.
Comprehensive Coverage: This is the type of insurance coverage that pays for repairs to your own car after a non-accident event such as inclement weather, theft, or vandalism.
Uninsured / Underinsured Motorist Coverage: this is the type of insurance coverage that pays for injuries sustained when another driver who has little, or no bodily injury coverage damages your vehicle or injures you in a car accident.
Contact the Miami Accident Attorneys at Suarez & Montero Today! If you drive without automobile insurance coverage in Florida, you may end up in financial turmoil and it can even result in suspension of your driver’s license. These penalties and laws are in place to help protect everyone on the road. Were you or someone you love recently involved in a car accident? At Suarez & Montero, we have all the answers to your legal questions. We can also assist you in obtaining compensation for your injuries after a car accident if you were a passenger in the accident. Our attorneys are ready to provide proven legal representation and stand ready to protect your rights. We are available 24/7 to give you a free, no risk case consultation! At our firm, our policy is that if you don’t recover compensation, you won’t pay any fees for our services. Not to mention, we also provide free case consultations where we assess the circumstances surrounding your case and give you an objective overview of what steps you can take going forward if you decide to act against the party responsible for your injuries. For over 19 years, we have delivered quality legal representation for people who, through no fault of their own, have been injured in all types of accidents and incidents. We are available 24/7 to give you a free, no risk case consultation. We serve clients throughout Florida including those in the following areas:
Miami-Dade: Aventura, Coral Gables, Doral, Fontainebleau, Hialeah, Homestead, Kendall, Miami, Miami Beach, Miami Lakes, North Miami, Tamiami, and Westchester.
Broward: Fort Lauderdale, Hallandale Beach, Hollywood, Pembroke Pines, and Weston; and Palm Beach County including Boca Raton, Lake Worth, and West Palm Beach.
