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You Probably Do Not Have Full Automobile Insurance Coverage
Rick Millian • Apr 27, 2021
Legal Full Coverage in Florida only requires you to have Personal Injury Protection Coverage and Property Damage Coverage
I cannot tell you how many times I have had a client call our office and tell us they have “full coverage.” Unfortunately, their idea of full Coverage is usually different than what I and most other attorneys would consider full Coverage. In fact, in Florida, over 20% of the drivers on the road have no insurance at all. If you add to it the persons driving on our roads with the minimum amount of insurance required by Florida law, that percentage skyrockets.
Legal “Full Coverage” in Florida
To drive legally in Florida, you are only required to have Personal Injury Protection (pays up to $10,000.00 of your medical bills, regardless of who is at fault for the accident) and Property Damage (which covers you if you cause damage to someone else’s property). In Florida, you are not required to carry insurance on your vehicle that provides Coverage if you injure someone else or if you are injured by someone that does not have the proper insurance or has no insurance at all (these are both optional types of Coverage you can and should have on your automobile insurance policy).
Real “Full Coverage” in Florida
While there are all different types of Coverage you could have on your automobile insurance policy; this article will go over just a few. First is Comprehensive, which replaces or repairs your vehicle if your car is stolen or damaged for something other than an accident (usually fire, falling tree branch, vandalism, etc). Next is Collision, which covers your vehicle if your vehicle is damaged in an accident. Comprehensive and Collision are optional coverages if you own your vehicle outright. However, if your vehicle is financed or leased in almost all instances, your lender will require these coverages.
Next, as discussed more fully above, Florida law requires Personal Injury Protection and Property Damage Coverages.
The next two types of coverages are perhaps the most important that are not required in Florida; Bodily Injury Coverage; and Uninsured/Underinsured Motorist Benefits. First, Bodily Injury Coverage provides insurance for you should you be involved in an accident and cause injuries to another person. The minimum Bodily Injury Coverage is usually $10,000.00, but we recommend you carry a minimum of $50,000.00 in Bodily Injury Coverage.
Next, Uninsured/Underinsured Motorist Benefits provides insurance coverage to you if you are injured in an accident that is caused by someone that is either not insured or does not have sufficient Bodily Injury Coverage to compensate you for the damages you sustain in the accident.
Contact an Experienced Car Accident Attorney
Retamar & Millian, P.A. is available to assist you on all your car accident-related issues. We will review your policy, the policy of those you live with and any and all other insurance policies that may have a connection to your accident in order to determine what type of coverages are available to you should you be involved in an accident.
Retamar & Millian, P.A. is available to assist you on all your accident related issues.
If you need assistance on any of the issues related to your car accident, contact Retamar & Millian, P.A. at 813-200-5894 for a free consultation.
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Stop me if you heard this before from politicians, if we pass this bill it will bring down insurance rates and if it doesn’t we will address the rates later. Fool me once shame on you, fool me twice shame on me. Every year the insurance industry lobbies the state legislature for “reform” that it says will reduce insurance rates. Fortunately, until now, drastic “reform” has not occurred and the insurance lobby has not been able to get its wish list passed by the state. Unfortunately, Governor Ron DeSantis and his allies have indicated that they are about to give the insurance industry the biggest gift they can, all in the name of “tort reform”. HB 837 does nothing except strengthen the insurance companies and deny victims meaningful access to the courts, representation by an attorney and access to medical care.
What you need to know when looking for an injury attorney.
As we are now fully into the Florida rainy season, many injury law firms, hospitals and doctors’ offices are seeing the annual increase in persons injured in car crashes. It happens every year around during the rainy season. While you cannot prevent all accidents from occurring there are steps that you can take to lower your risk of an accident during the rainy season.
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