Florida Auto Insurance Coverage
You are required to have auto insurance in Florida. Without it, you could end up paying hundreds of dollars in fines and have your driver’s license and registration suspended.
Florida offers seven types of car insurance. Personal injury protection (PIP) and property damage liability (PD) are the only two required under state law. The other ones offered are bodily injury liability (BI), comprehensive coverage, collision coverage, medical payments coverage and uninsured motorist (UM).
The insurance claims process can be confusing and insurers will often try to find ways to deny your claim. That’s why it’s important to understand your coverage as well as your legal rights. Here’s a look at what the various types of auto insurance cover, in more detail.
Personal Injury Protection (PIP) Insurance
This insurance is required under Florida law. It pays for personal injuries and lost wages to you and your immediate family, regardless of fault. PIP insurance will cover 80% of your medical bills and 60% of your lost wages, up to a $10,000 limit. However, you must seek treatment within 14 days after the accident.
Property Damage Liability (PD) Insurance
This is also required under Florida law. It helps pay for damage that you cause to other people’s property. It covers damage to the other person’s vehicle, as well as damage to phone poles, buildings and other objects. PD insurance, however, does not pay for damage to your car.
Bodily Injury Liability (BI) Insurance
This insurance pays for injuries you cause to other people. It pays for damages such as medical bills, pain and suffering, and lost wages.
Uninsured Motorist (UM) Insurance
This insurance is not required, but is certainly one you should consider. If you are involved in an accident that is not your fault, but the other driver does not have enough insurance or no insurance at all, then your UM insurance will kick in by paying for your medical bills, lost wages, and pain and suffering.
This insurance covers repairs or replacement if your car is damaged in a collision with another vehicle, tree, fence or other object.
This insurance covers repair or replacement when your vehicle is stolen or damaged by something other than a collision, such as a fire, flood, wind, hail, vandalism, falling objects and animals.
Medical Payments Insurance
Also known as med pay, this coverage will pay for medical expenses for you and your passengers if you are injured in an accident, regardless of fault.
Get Legal Help for Your Florida Insurance Case
An insurance claim can present itself through a car accident. A crash can cause damage to your car as well as severe injuries to yourself. Therefore, you want to make sure you have the right coverage so you can recover compensation in such a situation.
If your insurance claim has been denied or you are otherwise having trouble getting paid, get help from the Tampa insurance liability attorneys at Pawlowski//Mastrilli Law Group. We can help you get the results you desire. Schedule a free consultation today. Call (813) 803-6519 or fill out the online form.