WHEN BASIC INSURANCE FALLS SHORT The Coverage Gap You Miss
By June, Florida roads start to feel a little different. Schools let out, weekend plans pick up, and more people head to the beach, visit family, or squeeze in a quick getaway. Even if you aren’t taking a long road trip, chances are you are spending more time in traffic than usual. Most people prepare by checking the tires, topping off the fluids, and making sure the car is ready for the heat. However, few stop to ask whether their insurance coverage is ready, too. That question matters more than many drivers realize. In Florida, most four- wheel vehicles must carry at least $10,000 in personal injury protection and $10,000 in property damage liability coverage. PIP helps cover 80% of necessary and reasonable medical expenses up to $10,000,
where the gap begins, and without additional coverage, you could be left trying to handle it all by yourself. Fortunately, uninsured motorist (UM) coverage exists for exactly this kind of problem. UM is optional coverage on your own policy that can help when the other driver does not have bodily injury coverage, or does not have enough to fully cover the harm they caused. Florida law specifically treats a vehicle as uninsured for this purpose when the available bodily injury limits are less than the injured person’s total damages. In other words, the other driver may be insured on paper and still leave you facing a serious shortfall. Your uninsured motorist coverage can help bridge that gap, up to the limits you chose when you bought the policy.
regardless of who caused the crash. Property damage liability helps pay for damage you cause to someone else’s property. Basic coverage helps, but it is a very different thing from having full protection after a serious accident. All the costs from medical treatment and time off work spent recovering can add up fast. That is
Word Search hurt in a crash and the insurance company starts minimizing what your case is worth, don’t take on that fight alone. Contact The Law Offices of Marc L. Shapiro, P.A. , to get an experienced legal team in your corner. That is why it is worth looking at your policy before summer traffic gets even heavier. A quick review now can save a lot of confusion later. And if you’re
BLT CHOPPED SALAD
Ingredients
Salad • 8 slices thick-cut bacon (about 9 oz) • 1/2 cup julienned sun-dried tomatoes (not packed in oil) • Hot water • 8 cups chopped kale, stems removed • 1/4 tsp kosher salt • 1 pint cherry tomatoes, halved • 1 1/2 cup sweet corn
• 1/2 cup crumbled feta cheese • 1/4 cup finely chopped green or red onion Dressing • 1/4 cup fresh lime juice • 2 tbsp extra-virgin olive oil • 3/4 tsp smoked paprika • 1/4 tsp kosher salt
Directions
1. Bake bacon at 400 F until crisp, then pat dry, cool, and chop. 2. Submerge sun-dried tomatoes in very hot water for a few minutes, then drain and pat dry. 3. Place kale in a large bowl, sprinkle with salt, and massage until darker and tender (about 2 minutes). 4. Add sun-dried tomatoes, cherry tomatoes, corn, bacon, feta, and onion. 5. Combine all dressing ingredients, mix well, then drizzle over salad and toss. 6. Chill 15 minutes if desired, or serve right away.
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