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Understand Your Car Insurance

Posted by Larry Avallone | Nov 02, 2015 | 0 Comments

Did you know you may be self-insured? How do you know if you are self insured? You may think you have full coverage. Florida law requires mandatory coverage consisting of personal injury protection (PIP) also known as no fault, and property damage liability. If you only purchase the mandatory coverage you are actually self insured for liability.  The only two required by law coverages will only provide coverage for 80% of the first $10,000 of your own medical bills, and coverage for damage to property such as the damage caused when you hit another vehicle.  So what is missing? Bodily injury liability, in other words the damage caused to the other driver or pedestrian.  When you are at fault in an accident you can be sued if another driver or a pedestrian in injured, if you do not carry bodily injury liability coverage (BI) then you are essentially self insured. Under Florida law you do not have to carry Bodily Injury coverage, it is optional coverage, although a very important coverage.  If you are hit by a driver without insurance, or a driver that carries only the mandatory coverage, then what happens to you?  You have the option of purchasing uninsured motorist coverage that provides you coverage for your injury caused by an uninsured or under insured driver.  If you do not purchase uninsured motorist coverage, then again you are self insured, and would have only your PIP benefits.  Check with you insurance agent see exactly what you have and what you might need to add!

About the Author

Larry Avallone

Larry Avallone is a Volusia County Florida based Board Certified Criminal Trial Attorney. He has been a Deputy Sheriff and a State Prosecutor and he exclusively practices criminal defense law.


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