1. Collision coverage – Collision coverage is important because if your car is damaged in an accident and the driver who caused the accident is uninsured, your insurer will still cover your property damage.
2. Bodily Injury Liability – Bodily injury coverage is not required in Florida but it provides coverage in case you cause an accident in which another person is hurt. It covers the damages that you’re legally responsible for and provides a legal defense if someone sues you for damages. Clients often ask why they need bodily injury coverage to cover someone else’s damages if they are not legally required to carry it in Florida. The answer: If you don’t have BI or you don’t have enough BI, your personal assets could be at risk (cars, boats, etc.) if you’re liable for damages that exceed your coverage limit.
3. Uninsured Motorist Protection – Why have it? It’s a sad fact: There are people who drive without any (or not enough) insurance coverage. What if you’re injured in an accident caused by one of these drivers? Uninsured Motorist Coverage pays for damages when you are injured in a car accident caused by another person who does not have sufficient liability insurance. Medical expenses, pain and suffering, and lost wages are some examples of bodily injury damages.
If you are in a car accident and need an attorney please contact us at (850) 434-6064.