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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida, including from our Central Florida office in Orlando. Our dedicated experienced personal injury attorneys handle a range of legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

The Trial Pro, P.A. attorneys, carry more than a century of collective legal experience and decades of working together as a team. We have represented hundreds if not thousands of people who have been injured due to car accidents, slip-and-fall, worker's compensation cases, and more. One thing that is clear to us is the essence of partnership. Without it, Trial Pro, P.A. could not be as effective in attaining success for our clients.

Types Of Auto Insurance You Need To Be Covered In Florida. The Difference Between Comprehensive And Collision Coverage

Frequently Asked Questions - Types Of Auto Insurance You Need To Be Covered In Florida. The Difference Between Comprehensive And Collision Coverage

Did you know that Florida is the state with the highest number of uninsured motorists?  According to the Insurance Research Council's latest study, 26.7% of drivers in Florida are driving without auto insurance.  It is a scary feeling to know that a little over 1 in every 4 drivers on the road is driving without insurance.  Fortunately, there are insurance coverages that you can carry in your auto insurance policy that can protect you.

How Can I Be Fully Covered in Florida?

Firstly, it is important to know that In the State of Florida, there are only two auto insurance coverages that are required to drive a motor vehicle:

 

  1. Person Injury Protection (PIP) – Personal Injury Protection (PIP) covers yourself, (whether you are at fault or not at fault), passengers in your vehicle, and household relatives. If you, your passengers, or household relatives are injured in an automobile collision, your PIP coverage will pay 80% of your medical expenses and 60% of your wage loss (if you did not exclude wage loss on your policy) up to $10,000.00. For example, you go to the emergency room for your injuries and incurred a $1,000.00 bill.  Your PIP coverage will pay up to 80% of that bill.  The 20% percent will be considered your responsibility.  The medical bills received by your auto insurance will be paid directly to the medical provider.  Even having this required coverage may leave you with out-of-pocket medical expenses, even if you were not at fault.
  2. Property Damage Liability Coverage- A minimum of $10,000.00 in Property Damage Liability coverage is required in the State of Florida. Property Damage Liability coverage pays for the property damage of the owner of the vehicle who was not at fault.  For example, if your vehicle was rear-ended, the at-fault driver's Property Damage Liability coverage pays for the damage to your vehicle.  While someone may be insured, there may be a chance that this person may only have the minimum requirement of $10,000.00 in property damage coverage.  If you have a newer vehicle and your vehicle is deemed a total loss, $10,000.00 may not be enough to cover the value of your vehicle.

Did you notice that even if you are hit by a vehicle that has auto insurance, you still may not be fully covered if you or the at-fault driver only carry the minimum insurance requirements in the State of Florida?

Now Let Us Go Over the Insurance Coverages that Can Cover and Protect You, Your Passengers, Your Family, Your Vehicle and Your Assets

These coverages may be optional but are extremely important to have:

Bodily Injury Liability (BI) Coverage- If you cause a car accident and the accident causes injuries to the person who was not at fault, you Bodily Injury Liability coverage may pay for the medical balances that were not paid by their Personal Injury Protection coverage.  Your insurance may also pay them a settlement for their pain and suffering.  Having Bodily Injury Liability coverage can protect you from being sued in a civil court.  And if you have assets, you may want to protect yourself by carrying a significant amount of Bodily Injury Liability coverage.  If you choose to purchase Bodily Injury coverage, the minimum amount you can purchase is $10,000.00 per person/$20,000.00 per accident.

Uninsured/Underinsured Motorist (UM/UIM) Coverage- Uninsured/Underinsured Motorist coverage protects you if you are in a situation where the at-fault driver does not have insurance, does not have Bodily Injury Coverage, or has a very low amount in Bodily Injury coverage.  If you sustained injuries in a car accident where the at-fault party did not have Bodily Injury coverage or had a low amount of Bodily Injury coverage, you can make an Uninsured or Underinsured Motorist claim to your insurance.  This coverage only applies if you were not at fault in the collision.  Your UM/UIM coverage pays for any outstanding balances that your PIP coverage did not pay and can pay you for your pain and suffering.  In the State of Florida, to purchase UM/UIM coverage, you must purchase Bodily Injury coverage as well.

In Florida, where 1 in every 4 drivers are driving without insurance, Uninsured Motorist coverage is especially important to have.  You never know what types of injuries you may sustain in an accident and what type of medical treatment your injuries may require.  Having Uninsured Motorist coverage in your policy can give you the peace of mind of knowing that you will be adequately covered if you are ever injured by an uninsured driver or vehicle.

Collision Coverage- Collision pays you, the policyholder, for the damage to your vehicle whether you were at fault for the crash or not.  There is no limit to the amount your Collision coverage will pay for the damage to your vehicle.  However, Collision coverage usually is accompanied by a deductible, which is a fixed amount of the vehicle repair cost that you, the insured, are responsible to pay. For example, say you have a $500 deductible in your policy and the total amount of your vehicle repair cost is $3,500.  You would be responsible to pay $500 and your insurance will cover the rest.  If you were not at-fault for the crash, and the at-fault party had insurance coverage, your insurance company can send a demand to the at-fault driver's insurance for reimbursement for what they paid for your vehicle damage. Additionally, on your behalf, your insurance can also include the deductible that you paid in the demand against the other person’s insurance.

What is the Difference Between Comprehensive and Collison Coverage?

Comprehensive coverage can help cover your vehicle for damages that are not caused by a collision such as natural disasters, falling objects, fire, etc., whereas, Collision coverage can help cover your vehicle for damages caused by a collision.  For example, a deer suddenly runs in front of your vehicle and you swerve to avoid the deer and crash into a light pole.  This is considered a collision since your vehicle crashed; therefore, your Collision coverage should cover your vehicle damage.  Now let’s say a tree falls on your vehicle while you’re parked or your car was damaged by a storm, your Comprehensive coverage would apply in these situations since your vehicle was not damaged by a collision or crash.

It is safe to say that having adequate insurance coverage is your best bet in a state where 26.7% of drivers are uninsured.  So, add what you need if you have not done so already!

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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida. Our dedicated, experienced personal injury attorneys handle various legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

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 250 N Orange Ave 14th Floor
Orlando, FL 32801


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Orlando, FL 32801
help@trialpro.com
(407) 300-0000


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The information on this website is for general information purposes only. The Information presented at this site should not be construed as formal legal advice nor the formation of an attorney-client relationship. For medical advice and treatment, you should contact a licensed medical professional.