CAR ACCIDENT INSURANCE
What is Full Coverage?
Many of our potential clients who have been in a car accident are under the impression that their insurance agent sold them “full coverage”. What is full coverage? Most client’s believe that full coverage means they have any and all available types of insurance to protect them from being sued and/or from injuries they may sustain in a car accident. Unfortunately, this is a misconception. Current Florida law only requires operators of motor vehicles to carry (1)property damage insurance (PD) and (2) personal injury protection benefits (PIP). Some insurance agents misrepresent the two described benefits as “full coverage”. When in fact, “full coverage” would include (3) liability insurance (BI) and (4) uninsured or under-insured motorist coverage (UM or UIM).
Don’t be fooled. Ask you insurance agent to explain what could happen to you if you fail to carry liability and uninsured motorist coverage. A few of the possible consequences include you having to take money out of your own pocket to settle a potential claim or the possibility that you will be left with large medical bills with no means of paying those bills.
If you have been involved in a car accident and you are interested in learning more about what type of insurance you carry, contact us at 863-LAWS (5297).
