I am not an insurance agent, simply a personal injury lawyer. It is difficult to see people seriously injured and not be able to help them because the negligent party does not have sufficient insurance and the person injured does not have adequate coverage to help them.
One of the most important decisions drivers in Florida make is what type of auto insurance to buy. Because the state has a no-fault system, all drivers are required to have Personal Injury Protection (PIP) insurance. But there are other types of coverage that can supplement PIP, so it’s important to understand the different options before making a decision. In this post, we’ll explore the different types of auto insurance available in Florida and help you decide which one is right for you.
Bodily injury coverage is one type of auto insurance that is available in Florida. This coverage can help pay for the medical expenses of the other driver if you are found at fault in an accident. Bodily injury coverage is not required in Florida, but it can be a good idea to have it if you have assets that could be at risk if you are sued.
Stacking of policies is another option that is available in Florida. This means that if you have multiple policies with the same company, the coverage limits will be increased. For example, if you have two policies with $100,000 in coverage each, the total coverage would be $200,000. Stacking can be a good way to increase your coverage limits without having to pay more for individual policies.
Uninsured motorist coverage is another type of auto insurance that is available in Florida. This coverage can help pay for your medical expenses if you are hit by a driver who does not have insurance. Uninsured motorist coverage is not required in Florida but is highly recommended. Respectfully, it’s foolish to not have UM Coverage because so many Florida drivers only have the minimal coverage. If they don’t have bodily injury coverage you are not covered.
No matter what type of auto insurance you choose, it’s important to make sure that you have the coverage that you need. Don’t be afraid to ask questions and get multiple quotes before making a decision. And remember, the best way to save money on auto insurance is to be a safe driver!
If you don’t have enough car insurance in Florida, you could be held responsible for any damages or injuries that occur in an accident. This means that if you are found at fault in an accident, your insurance company may not cover all of the costs. This could leave you with a large bill to pay, which could put a strain on your finances. Additionally, if you are sued by the other driver, you could be required to pay damages out of your own pocket. This is why it’s so important to make sure that you have adequate coverage before getting behind the wheel.
Recommendation: Have at least $100,000 in bodily injury and Uninsured coverage. You will appreciate it if and when you are injured in an accident.