Being in a car accident is scary, and figuring out your next steps can feel overwhelming. One of the first things you should do after seeking medical attention is to understand what your insurance covers. Below, we will break down some key coverage types for Florida drivers.
Types of insurance coverages in Florida
Florida drivers may have several types of car insurance coverage. While some are required by law, others are optional. Some of the different kinds of insurance coverage you may have include:
- Collision coverage: This coverage pays for damages to your vehicle if you’re involved in an accident, regardless of fault.
- Comprehensive coverage: This coverage pays for damages to your vehicle due to non-collision events, such as theft, vandalism or natural disasters.
- Property Damage Liability (PDL): This coverage pays for damages you cause to other people’s property, such as their vehicle or other structures.
- Personal Injury Protection (PIP) coverage: This coverage pays for medical bills up to the policy limits, regardless of fault.
- Bodily injury coverage: This coverage pays for medical bills and other expenses related to injuries or deaths caused to others in an accident.
- Uninsured motorist coverage: This coverage pays for damages if the other driver is uninsured or underinsured.
Again, some of these are mandatory; others are not. Your best coverage options depend on your needs and policy availability, but you should have at least the PDL and PIP coverage.
The limits of insurance coverage
Even with these various types of coverage, the total cost of car accident injuries often exceeds the policy limits, leaving victims wondering how they’ll cover the remaining expenses. For example, if you have a $10,000 PIP policy, but your medical bills total $50,000, you’ll be left with a significant shortfall.
Further, insurance companies are in business to make money. They typically will make every effort to minimize payouts or deny coverage. This is where attorneys can play a crucial role in negotiating with insurance companies to get you the compensation you deserve.
If you’ve been involved in a car or truck accident, don’t assume your insurance will cover all your expenses. Instead, consider consulting with an attorney who can help you fight for the compensation you deserve.