Let Us Fight for
Your Rights!
Your Rights!
Types of Florida Car Insurance
Types of Car Insurance in Florida
As Florida car accident lawyers, one of the most common responses we get when we ask a Florida car accident victim what insurance they have is “I have full coverage”. What does this really mean?
Florida law does not require a vehicle owner to carry all types of car insurance. Some are mandatory, while most are optional. Some of the common types of car insurance in Florida are:
- Bodily Injury Coverage
- Personal Injury Protection (PIP)
- Collision Coverage
- Comprehensive Insurance
- Uninsured Motorist Coverage
- Underinsured Motorist Coverage
- Excess and Umbrella Coverage
- Medical Payment Coverage
If you are in a Miami car accident, Fort Lauderdale motorcycle accident, or motor vehicle accident in Florida, contact us for a free insurance evaluation to determine what insurance coverage you have on your policy and which coverage which may apply in your accident.
What is Bodily Injury Coverage?
Bodily injury coverage is one of the more common type of car insurance available in Florida. If you were injured in a car accident, the at-fault person’s Bodily Injury Coverage is the coverage that should cover part of your medical bills and other expenses, as well as pain and suffering if you qualify.
What is Underinsured Motorist Coverage?
Underinsured motorist coverage is another of the more common types of car insurance available in Florida. This covers you if you are injured by a person who does not have enough insurance to fully compensate for your injuries.
What is Medical Payment Coverage?
Medical Payment Coverage is another common type of car insurance available in Florida. If you are injured in a car accident, medical payment coverage can pay for your immediate medical expenses after an accident without regard to who caused the accident or which policy covers that person.
What is Personal Injury Protection (PIP) Coverage?
Personal Injury Protection (PIP) Coverage is generally mandatory in Florida. This coverage will pay part of your medical bills and wage loss if you are injured in a car accident regardless of who is at fault.
What is Collision Coverage?
Collision Coverage is an optional type of car insurance. Collision Coverage generally covers damage to your vehicle that occurs when it hits or is hit by another object or vehicle.
What is Comprehensive Coverage?
Comprehensive Coverage generally applies if your vehicle was stolen, vandalized, or damaged in some way other than through a collision with another vehicle or object.
What is Uninsured Motorist Coverage?
Uninsured Motorist Coverage generally insures you against drivers who lack insurance. If an at-fault driver does not have any insurance or lacks Bodily Injury Coverage, your own Uninsured Motorist Coverage may apply to compensate you for your injuries.
What is Excess or Umbrella Coverage?
Excess or Umbrella Coverage is an optional type of insurance. It may be referred to as “umbrella” coverage because it provides additional protection you need for your car and other types of insurance like homeowner’s policies and boat policies. You may also be able to obtain Umbrella UM/UIM Coverage to further protect you in the event the at-fault driver does not have enough coverage to fully compensate you.
Which insurance applies after a car accident in Florida?
The type of car insurance that applies after a car accident will depend on several factors including who caused the accident or how your policy is written. If you are in an accident in Florida, contact us today for a free case evaluation to see if you may qualify for compensation and to find out which coverages you may have available. You can reach us after hours and on weekends, too! Call the Law Offices of Jason Turchin at (800) 337-7755 or contact us via our online chat or contact form. Pay us no fees or costs if there is no recovery!
If you are in a Miami car accident, Fort Lauderdale motorcycle accident, or motor vehicle accident in Florida, contact us for a free insurance evaluation to determine what insurance coverage you have on your policy and which coverage which may apply in your accident.