Everyone knows that car accident is one of the most common causes of injuries and fatalities in America. But what happens when you have an accident on Florida’s roads. A Florida auto accident attorney may be able to help you make important decisions about your insurance coverage.
For example, if you got injured in an accident and the other driver had liability insurance, this protection would cover your medical bills up to their policy limits. However, if they don’t have enough coverage, you might need to find out who is at fault for causing the crash and file a lawsuit against them. But if you’re not sure, then this blog post is for you. Here we’ll discuss auto accident attorney insurance coverage recommendations so that you know your rights after a crash.
The Importance of Auto Accident Attorney Insurance Coverage
When you get into an accident, it can be a tough and stressful time. You may have injuries that need to be taken care of or damages to your car and property that need to be repaired. So, auto accidents can be severe, and the best way to protect yourself is to have good auto accident coverage.
One of the biggest mistakes anyone makes is not having enough auto insurance coverage attorneys. It will help if you had adequate protection if anything happens to your car or property because being uninsured means that other drivers won’t be responsible for damages they cause.
Auto accident attorney insurance coverage is vital for every driver to avoid paying damages themselves and be liable for someone else’s injuries. It can also protect them from potential lawsuits if another party isn’t insured if their property or car gets damaged.
Key Recommendations of Auto Attorney Insurance Coverage in Florida
Before telling the recommendations, here is the list of minimum auto attorney insurance coverage in Florida.
| Insurance Coverage Type | Florida’s Minimum Requirements |
| Bodily Injury Coverage (BIC) | $10k per person and $20k per accident* |
| Property Damage Coverage | $10k per accident |
| Uninsured Motorist Coverage | $10k per person |
| Personal Injury Protection (PIP) | $10k per person |
Personal Injury Protection
In Florida, it is required that all drivers have $10000 worth of Personal Injury Protection (PIP). If an uninsured driver injures you at fault for the collision, your insurance company will cover your medical bills up to an amount. After this limit has been reached, other drivers’ insurance companies may be responsible for paying some of your expenses.
PIP coverage covers both the cost of treatment and compensation for lost wages the following time off work while recovering from injury. However, there are limitations on how much they’ll pay out in total over several occasions.
Property Damage Liability
As well as a baseline $10,000 PIP policy, the only other type of car insurance coverage necessary according to Florida law is the property damage liability coverage. For property losses that arise from an accident caused, you must carry at least $10,000 in PDL coverage.
You may want to get more than the PDL coverage of the minimum of $10,000 necessary. This is advisable because you can inflict much more than $10,000 in liability.
Uninsured Motorist Coverage
Uninsured motorist coverage is another type of coverage that will help pay for your medical bills and other expenses if you are injured by a driver who does not have car insurance. If the other party has the coverage, they will be responsible for paying all of these costs in addition to their policy limit.
Suppose the at-fault party is an uninsured driver. In that case, underinsured motorist coverage kicks in to cover any additional expenses that exceed what was covered by the uninsured driver’s injury protection (PIP) limits.
Florida state can also include another person’s bodily liability or property damage auto insurance when no available auto insurance on either individual involved in the collision caused injuries or damages sustained by both drivers and passengers involved.
Bodily Injury Coverage (BIC)
Bodily injury coverage in Florida applies to injuries caused by negligent or intentional acts of a third party. This insurance will pay for your hospitalization, medical care, and rehabilitation expenses if you’re badly injured as the result of an accident.
Bottomline
We hope this article has been helpful to you in understanding the importance of auto accident attorney insurance coverage and what it can do for you. If you have been in an accident, you must speak with a Florida auto accident attorney about your options for insurance coverage.
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