Knowledgeable Attorneys For Car Insurance Disputes
Like most other jurisdictions, Florida has a mandatory auto insurance law. That’s good news for victims, as this law increases the amount of compensation available. But the news is not all good. Florida also has one of the lowest insurance minimum requirements in the country. That low requirement, as well as the different types of insurance, has a significant effect on wrongful death and many other legal damages claims.
The experienced car insurance lawyers at Piccin & Glynn do more than fight for victims in court. We give families in Ocala, across Marion County and central Florida the tools they need to navigate through complex personal injury cases and make the best possible decisions. As part of this mission, we want to point out that the types of auto insurance are more than just numbers on a declaration page. Insurance nuances can have a significant and lasting effect on your family’s well-being. You can get immediate answers to your insurance questions by calling our law firm now at 352-581-6174.
What Is Liability Coverage?
There are two types of “liability” coverages in Florida. The first kind is “property damage liability” coverage. This is required on all Florida auto policies and will pay for repairs to your vehicle if another person caused the accident.
The other type of liability coverage is “bodily injury liability” coverage. This coverage will pay for personal injuries you may sustain, as well as other damages such as lost wages and mental pain and suffering, if another person caused the accident. This bodily injury liability coverage is, unfortunately, not required in Florida. This means that many people are driving in Florida without coverage to pay for personal injuries you may sustain. The lack of mandatory bodily injury liability coverage is the reason that you should always purchase what is called “UM” insurance, which stands for uninsured or underinsured motorist coverage.
Understanding Collision Coverage
If the vehicle has a lien, most owners have collision coverage. Most lenders require such policies in order to protect the collateral. Collision coverage pays for damages to your vehicle if you were at fault for the crash.
Most lenders also require comprehensive coverage. It pays for non-crash-related losses, such as fire or theft losses. Like other types of coverage, vehicle owners must usually pay a deductible before the insurance company pays for any damages.
Uninsured/Underinsured Motorist Coverage
As the name implies, UM fills in the payment gap if the tortfeasor was uninsured or underinsured. UM coverage may also apply in hit-and-run accidents. Florida has the highest percentage of uninsured motorists in the country, so UM often comes in handy in the Sunshine State.
Personal Injury Protection (PIP)/Medical Payments
Since Florida is a no-fault state, PIP is mandatory. This policy pays for immediate medical expenses and will be utilized before any other insurance coverage is utilized despite who was at fault for an accident. PIP may also compensate for other economic losses, such as physical rehab costs, lost wages and babysitting services and costs of going to and from accident related medical appointments.
Medical payments coverage works in much the same way, except it usually applies to yourself and passengers in your vehicle. If you do not have medical payments coverage, and many people do not, don’t fret. Our attorneys can negotiate with medical providers to lower your costs and arrange for you to get treatment without paying anything upfront.
Team Up With Experienced Car Insurance Lawyers
Knowing the different types of insurance helps you decide what coverage level is best for your family. For a free consultation with an experienced car insurance lawyer, contact Piccin & Glynn. You can call us now at 352-581-6174 or contact us by sending an email. Home and hospital visits are available.