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• Collision insurance: If there is more than $10,000 worth of damage to your car, you will be happy to have purchased collision insurance. If someone without 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 Med Pay benefits, 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.
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 get into an accident. At the bare minimum, Florida requires all licensed drivers to have the following coverage: $10,000 in property damage coverage and $10,000 in personal injury protection benefits. That’s it. It’s horrible. Purchase additional coverage because, 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 $3,000 per day, not to mention emergency room care and an ambulance ride. If you are required to stay in the hospital for a week, you’ll need to pay a minimum of $21,000 for that visit. Your $10,000 will go rather quickly! You also need to think about caring for dependents if you’re injured, what to do about work, and how you’ll cover someone else’s hospital or funeral bills if you cause an accident — yikes! 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):
“I found out I had lost a car accident case that would leave me with a massive amount of medical debt and credit card debt. Additionally, I was in the middle of preparing to relocate for work and sell our house. I was facing depression and stress with no light at the end of the tunnel. I contacted The Dellutri Law Group among many other local firms. I quickly received a call back from Casey Byrus, and we set up an appointment. We met with the attorney to discuss my situation and options. We were pleased with the plan, but I still reached out to other firms to get their opinions. I met with two other firms where I was told I could not file Chapter 7 and that Chapter 13 would be my only option as well as the one attorney not wanting to touch my case since I was moving out of state. I did not just want to go with Dellutri because it was what I wanted to hear; I wanted to make the best and most logical choice. My wife and I had another meeting with Dellutri to re-discuss what the other lawyers told us, and he reassured us we could file Chapter 7 and be fine. (Side Note: My theory on the other lawyers pushing people into Chapter 13 is that they receive a set payment by the court for 3–7 years while you are on a payment plan to repay debts, so it’s in their best interest to push Chapter 13. It’s set profit for them.) We decided to go with Dellutri, and it was the best decision we made. Casey was always there to help and showed us support the entire way. I was able to file alone without including my wife, and we were able to sell our home, keep the profits, and settle with repurchasing some of our assets back in the end. I highly recommend them to anyone who might be in a similar situation and is feeling trapped.” –Anonymous Testimonial Our Clients Say It Best
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