Did you know if you sustain an injury in an accident, and require medical treatment, you must use your own Florida Auto Policy to pay for the first $10,000 of medical bills? This is regardless of whose fault the accident is, thus the name “no-fault” coverage, also known as Personal Injury Protection.
Also, if you have a $1,000.00 personal injury protection deductible, the insurance company considers you “self-insured” for that amount, which means you cannot recover this from the responsible party. Additionally, under Florida law, drivers are not required to carry bodily injury insurance coverage and many people have no insurance at all. As a result, far too many people cannot seek compensation for injuries caused by another party for a lack of proper insurance.
Our legal team recommends the following auto coverages:
- Personal Injury Protection (No Fault Coverage) with no deductible
This pays 80% of your medical bills and 60% of your lost wages, up to $10,000.00. This coverage is unavailable on motorcycles, though you can purchase Medical Payments Coverage for your motorcycle.
- Medical Payments Coverage of at least $5,000.00
This covers the remaining 20% of your medical bills not paid by your PIP coverage, and can be purchased in various amounts.
- Bodily Injury Coverage
This pays for injuries you are legally responsible for, as a result of any accidents caused by you or anyone you allow to drive your vehicle.
- Uninsured Motorist Coverage
This covers bodily injury or pain and suffering if you or your resident relatives are struck by an uninsured/underinsured vehicle. This is the most important coverage to maintain.
- Collision Coverage
This pays for damage done to your vehicle if you are hit by an uninsured vehicle. Comprehensive coverage is different, as it covers damages to your vehicle not caused by a collision, but other damages such as fire or theft.
- Rental Coverage
This allows car rental reimbursement while your vehicle is being repaired and/or replaced.
Contact Our Daytona Beach Personal Injury Attorneys
As you can see, there are major differences between each kind of auto insurance policy, and you want to ensure you are protected as best as possible before it is too late. If you have any questions regarding which coverage is best suited for you and your needs, don’t hesitate to reach out to our team of Daytona Beach personal injury lawyers at Politis & Matovina, P.A.
Contact us at your earliest convenience by calling (386) 333-6613.