Types of Motor Vehicle Insurance
With most accidents, it will be obvious who was at fault or liable and that person or business usually will have some kind of liability insurance. Most of the time the question of liability or coverage will not be an issue. This is the case when the driver of the other vehicle involved in your car accident is insured. But even when insurance coverage is available, disputes still occur over liability and coverage. Most of them revolve around whether the driver or vehicle in the accident fits into any of the specific categories included or excluded from a liability insurance policy. Additionally, in some situations you might not be certain which insurance policy covers your car accident or there may be some confusion because more than one insurance coverage may be available to compensate you for your damages. For instance, you may have your own insurance policy that is available as well as the other party’s insurance policy available to you under different terms and for different amounts. The first and usually the only place a person injured in a vehicle accident turns for compensation is to the other driver’s insurance provider. Almost all states including Florida require that every registered vehicle or licensed driver have some form of car insurance. Honestly, even in states where the law doesn’t require it, most drivers have some form of liability coverage. The following are some of the brief descriptions for the types of coverage that are available in most auto insurance policies:
Liability Coverage: This type of coverage is often referred to as third-party liability or bodily injury and property damage liability. If you were at all legally responsible for an accident, liability coverage compensates other drivers for their injuries and damage to their property. When you have been injured in a car accident that is not entirely your fault you can file a claim under this type of coverage with the other drivers or car owner’s insurance company.
Personal Injury Protection: In states with no fault insurance laws like Florida, your own insurance policy provides personal injury protection (PIP). Personal injury protection coverage can be used to pay for your medical bills. Even if you have no fault insurance coverage in many circumstances you can also file a claim against the other persons liability insurance company. No far plans always permits such additional claims in the nature or extent of your injuries move beyond the limits of no-fault.
Uninsured Motorist: This coverage provides compensation from your own insurance company if you were the passengers in your car or injured in an accident with someone who was at least partly our fault, but he did not carry liability insurance some uninsured motorist coverage also includes property damage.
Underinsured Motorist: If you are injured in an accident with someone who has liability insurance in an amount too small to cover the full amount of your damages, your own underinsured motorist coverage can make up the difference.
Medical Payments: This coverage in your own insurance policy may pay a limited portion of your medical bills or those of any occupant of your car regardless of who is at fault in an accident. medical payments coverage in some insurance policies requires that you reimburse your insurance company if you later collect from the other driver. If the medical payments provision in your auto insurance policy requires you to reimburse the insurance company if you receive a third-party settlement, you may save money by just going with your general health insurance or other health coverage instead.
Speak with a Personal Injury Lawyer Today!
At Suarez & Montero, we are ready and equipped to handle your motor vehicle accident case. We exclusively handle personal injury cases involving automobile accidents, truck accidents, slip and falls, motorcycle accidents, along with other types of motor vehicle collision cases and accidents. The car accident attorneys at Suarez & Montero have the resources and experience to successfully accomplish your goal of receiving maximum compensation for your personal injury claim. Our firm believes that the top priority for our clients should be recovering from their injury in order to return to their normal everyday lives. That is why we offer our legal services with no money down and no fees unless we are successful in recovering compensation in your case. 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!
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.
