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Benefits of Uninsured and Underinsured Motorist Coverage
Uninsured/Underinsured motorist coverage is probably the single most important type of coverage you can have on your automobile policy. If you were involved in a car accident, and the person who caused the car accident is either uninsured for bodily injury liability coverage or underinsured for that type of coverage, then you can present your injury claim directly against your uninsured/underinsured motorist carrier.
Collision Coverage
Collision coverage is a type of coverage on your policy which will provide for the payment to repair your motor vehicle if it’s been involved in an accident. The difference between collision coverage and property damage coverage is if you run your property damage claim through your own collision policy, it is subject to your deductible. If you run your property damage claim through the other person’s property damage liability coverage, then there is no deductible to satisfy.
No-Fault Insurance
No-fault insurance, also known as PIP or P.I.P. insurance coverage, is required in the state of Florida. Everybody that has a car out there on the road has PIP coverage. Essentially, under this coverage, if you were injured arising out of the use, operation or maintenance of a motor vehicle, your medical bills would be paid for by your own auto insurance company without regard to fault. PIP typically pays 80% of medical bills, up to $10,000. You may also have purchased what they call a MedPay policy that will cover the other 20%, but standard PIP pays 80% of your medical bills up to $10,000.
Property Damage Liability
Everybody in the state of Florida is required to carry property damage liability coverage. Essentially what that means is, if someone crashes into you, their property damage liability coverage will pay for the repair of your vehicle. If your vehicle is deemed a total loss, damage liability coverage would cover that as well. Additionally, it can provide you with a rental car while your vehicle is being repaired. Essentially, liability coverage from a property damage standpoint pays for the repair or the replacement of your vehicle, as well as loss of use damages.
Contact Our Auto Insurance Lawyers
Were you or a loved one seriously injured in an automobile crash in Florida and have questions about tips on auto insurance?
Contact the experienced Brevard County car accident lawyers at Layman Law Firm to schedule a free, confidential consultation.
Let our experience work for you.
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