Law Office of Matthew Konecky July 2017

ARE YOU FULLY COVERED? The Difference Between Full and Minimum Auto Insurance Coverage

All too often, our clients tell us, “My insurance agent told me I had full coverage, when in reality, it was just the minimum coverage.” And they tell us this after they have been in an auto accident. It’s critical to understand the difference between full and minimum coverage. If you rely on an insurance agent who says they are giving you full coverage, you may be left in the dark about what coverage you really have. Additionally, there are instances when an agent may think they are giving you full coverage when they are only giving you Florida’s basic minimum requirements. Those requirements are personal injury protection and property damage of $10,000. Florida does not require bodily injury coverage unless you have been in an accident in the past. But ideally, you should have bodily injury coverage, regardless. In the event you are at fault for causing an accident and someone is hurt as a result, it may protect you from a lawsuit. Beyond having bodily injury, it’s also important to have uninsured or underinsured motorist coverage. The roads of South Florida are filled with uninsured and underinsured drivers. If they cause an accident and they are at Cooking With Ashley Ashley’s Orange Dream Fruit Salad

fault, but they don’t have the proper coverage, you will be the one stuck with the bills, including medical bills, repair bills, and so on.

Basically, if you don’t have the right insurance, you will be on the hook for the associated costs of the accident. The next time your insurance agent tells you that you have full coverage, ask them to show you what coverage you are really purchasing and what coverage you could purchase.

And make the right choice. Get bodily injury, uninsured motorist, and collision coverage to ensure you are fully protected in the event of an auto accident.

MEME CORNER

Ingredients •

1 (11-ounce) can of mandarin oranges, drained 1 (8-ounce) can of crushed pineapple, drained 1 small packet of orange flavored gelatin mix 1 (16-ounce) container of cottage cheese

• • •

• 1 (8-ounce) container of frozen whipped topping, thawed

Instructions 1. In a mixing bowl, combine the oranges, pineapple, and gelatin. Mix well and chill for 30 minutes. 2. Add cottage cheese to the bowl; stir to mix. 3. Gently fold in the whipped topping; chill and serve with a few mandarin oranges garnished on top.

3 www.matthewkoneckypa.com

Made with FlippingBook HTML5