Do You Have the Proper Auto Insurance Coverage? Florida roads are used by more than 14 million licensed drivers, so it’s no wonder countless fender benders and more serious accidents happen frequently in the Sunshine State. It also makes sense that the state of Florida requires all drivers to have a minimal amount of car insurance. Here are some additional coverage options you should look into. Trust us, we have seen more than a few lawsuits as the result of a car accident, and we’ve also seen what can happen if someone cannot cover those bills.
• Collision insurance: If the damage done to your car is more than $10,000, you will be happy to have purchased collision insurance. If someone with no insurance hits you, you will not be covered under your property damage coverage. Your property damage insurance will also not cover you if you caused the accident! • Additional medical protection (aka, Medical Payments Coverage): Personal injury protection (PIP) covers 80% of reasonable and necessary medical bills. You are responsible for the remaining amount. If you purchase additional protection, you should be covered. • Underinsured motorist coverage: If the person who hit you has no bodily liability insurance or just a small amount, underinsured coverage allows you to collect the remaining amount from your insurance company. Otherwise, you may be out of luck. You cannot sign up for additional insurance coverage after an accident happens, so make sure you have enough coverage today. Most people purchase the minimum amount because it is cheaper, but it’s simply not enough to protect you and your loved ones if an accident happens. An experienced attorney can help you figure out whether you have the coverage you need. For a FREE insurance review, email CarmenDellutri@DellutriLawGroup.com and use the words “Insurance Review” in your subject line. We’ll get back to you right away with all of the details you need to put your mind at ease.
How much insurance do you need? Do you need additional coverage? What about driving without a license or getting into a car accident with someone who does not live in Florida? Being aware of coverage options for car insurance can help you avoid some really devastating financial scenarios if you do get into an accident.
The Bare Minimum
The state of Florida requires all licensed drivers to have the following minimum coverage:
• Property damage coverage: $10,000 • Personal injury protection benefits: $10,000
Purchasing Additional Coverage
If you think about it, $10,000 is not a lot when it comes to paying medical bills for yourself or for someone else. The average hospital stay is around $2,000 per day, not to mention emergency room care. If you are required to stay in the hospital for a week, you’ll have to pay $14,000 for that visit. Your $10,000 will go rather quickly! You also have to think about how you’ll care for dependents if injured, what you will do for work, and how you’ll cover someone else’s hospital or funeral bills if you cause an accident — yikes!
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