What is full coverage in automobile insurance in Florida and what does it cover?
Full insurance coverage for automobile insurance means many different things to many different people. In Florida, you’re only required by law to have personal injury protection (PIP) and property damage (PD), also known as PIP/PD. These two types of automobile insurance coverages are very basic and generally will not provide sufficient coverage for anyone involved in an automobile accident with injuries in the state of Florida.
Property damage or PD insurance coverage will cover the property damage that you cause in the automobile accident. It will not cover the damages to your vehicle or other damage to your property. Typically, PD insurance will cover property damages up to $10,000.00. However, additional coverage can and should be purchased when you obtain or renew your automobile insurance to protect you.
Personal injury protection or PIP only covers a limited percentage of your medical bills (80%), or your lost wages (2/3), if you cannot go back to work for a period of time after your accident. In most cases PIP insurance coverage is limited to a total of $10,000.00 per accident. Life with PD insurance, additional coverage can be purchased when you obtain or renew your automobile insurance to protect you.
PIP/PD automobile insurance coverage in Florida does not provide compensation for your other economic damages, your pain and suffering or your bodily injury. PIP/PD insurance coverage will also not provide insurance coverage for the injuries you cause to someone else if you are at fault for the automobile accident and may leave you vulnerable for a personal injury claim or law suit.
You may not get compensated fully if you have full coverage because full coverage in the state of Florida is only property damage and PIP coverage (PIP/PD). If the at-fault person does not have bodily injury insurance or has inadequate coverage limits, and you do not have uninsured motorist coverage (UM or UIM), then chances are you are not going to recover any money or inadequate money for your injuries in the state of Florida. Uninsured motorist coverage is insurance coverage in your own policy that you purchase which pays you for your injuries and other damages in case the at-fault driver has no bodily injury insurance coverage or inadequate bodily injury coverage to compensate you for your injuries.
Speak with a Personal Injury Attorney in Miami or Fort Lauderdale to Discuss Your Rights and Responsibilities
The attorneys at Payer & Associates have been specializing in the handling of automobile accidents, personal injury and workers’ compensation cases for more than 20 years. All of our attorneys are lifetime members of both the Million Dollar Advocates Forum and Multimillion Dollar Advocates Group Forum (less than 1% of U.S. lawyers are members). Our attorneys personally handle each and every one of their personal injury cases and make themselves personally accessible to all of their clients and their loved ones in order to provide you with the professional service you deserve.
If you have been seriously injured or lost a loved one in an automobile accident, personal injury or workers’ compensation accident in Miami or Fort Lauderdale and have questions or concerns about your legal rights and responsibilities you should contact the personal injury and workers’ compensation attorneys at Payer & Associates today by calling: (786) 509-7484; (954) 463-2111 or 305-854-4442 for your 100% confidential free consultation with one of our aggressive accident attorneys.