When it comes to car insurance, most people are concerned about getting
fair premiums, but making sure you have the appropriate coverage to protect
you in different situations after a
car accident is usually secondary when it should be a priority. Getting the right coverage
should be the number-one goal when shopping for car insurance or reviewing
your policy. There are basic coverages you are required to have by law,
and there are crucial additions you must consider in order to have reliable
In Florida, the law requires drivers to have coverage for Bodily Injury
(BI) and Property Damage (PD), and PIP coverage. BI will cover injuries
caused by the negligent driver to the victims, and Property Damage will
cover the repairs to their vehicle. PIP coverage will pay for medical
treatment up to $10,000 for the owner of the policy regardless of who
is at fault in the accident. Other than those three requirements, the
law does not require drivers to buy additional coverage. Nevertheless,
there are other crucial protections you could add to your car insurance policy.
How to Improve Your Car Insurance Policy
UM/UIM Uninsured Motorist/Under Insured Motorist Coverage: This coverage will protect you if you are the victim of a negligent driver
that does not have insurance or does not have sufficient insurance to
cover all of the medical treatment you will need after an accident. Keep
in mind, you can only buy as much UM coverage as the amount you have as
BI coverage. For a more detailed explanation of this type of coverage,
bring your policy to our office for a free review.
Comprehensive/Collision Coverage: This coverage will ensure your vehicle gets repaired even if the at-fault
driver does not have insurance, or if there is a dispute regarding the
liability in the accident. While the insurance companies are performing
their investigation, your car is getting repaired regardless of who is
at fault simply by having Comprehensive Collision Coverage in your policy.
However, keep in mind there are deductibles that apply to this coverage.
To learn more about Comprehensive/Collision and to help you select appropriate
coverages, bring your policy to our office and we will review it for free.
Minimum of $25,000 as Property Damage Coverage: Car prices have gone up lately and, unless we are dealing with an older
car, $10,000 (which is the minimum PD coverage available for purchase),
you will not be able to cover the damages of the other person’s
car if you are at fault in a car accident. Therefore, you should consider
increasing the Property Damage coverage in your policy to $25,000 minimum.
Another reason to increase this coverage is the possibility of a multiple
collision where more than two cars are damaged. You must have sufficient
coverage to pay for the repairs of all the vehicles involved to avoid
them going after you personally. Incrementing your PD coverage from $10,000
to $25,000, or even higher, is a smart way to protect yourself in the
event of an accident.
Remember, we are always here for you to give you legal advice, to represent
you, and to protect your rights. We specialize in personal injury cases
such as car accidents, slip and falls, wrongful death, dog bite, premises
liability claims, and more. If you or someone you know is in need of our
services, we will honored to help. Call our office at (813) 774-3341 for a