Florida Auto Insurance Facts

By Steve Charles on January 22, 2021
A man handing over an insurance contract

We at Charles Legal PLCC, have come across many people that were surprised that their auto insurance policies didn’t provide the mythical ‘full coverage’ that they were expecting. Unfortunately, most only find out what their coverages are when they speak to our auto accident attorneys following the misfortune of an auto accident.

If you’re also wondering what your insurance policy covers, we’re about to briefly cover some of the basics:

What Is Body Injury Coverage?

Bodily injury coverage compensates you for injuries to your body in the event of a motor vehicle collision if the other driver(s) is proven to be responsible for the crash. The degree to which you are injured will not matter as the at-fault driver’s auto insurance company can only reimburse up to the limits of the liability coverage provided under the auto insurance policy of the at-fault driver.

For instance, if the bodily injury portion of the auto insurance policy provides coverage for a maximum of $50,000 per person and $100,000 per accident. If one person is injured in a car accident the most an insurance provider will pay is $50,000 towards this one injured person’s damages. However, where multiple persons are injured in a car accident the most the insurance provider will pay for their combined expenses is $100,000 (and only up to the per-person limit for each person injured). When the damages caused by the at-fault driver exceed the limits of their bodily coverage portion of their auto insurance policy, they are personally liable to pay for any excess damages.

What Is ‘No-Fault Coverage’ or Personal Injury Protection (PIP)?

Florida’s ‘no-fault’ law states where in the event of a car accident, all of the involved parties are required to present auto insurance policies, regardless of whether they were at fault. With that said, Personal Injury Protection (PIP) means that your insurance provider will cover medical costs following the accidents up to its limitations and for predetermined losses.

Under some policies, this coverage only applies for necessary and reasonable medical expenses or lost wages. However, once you reach the limit, you will be liable to pay your own medical expenses (until, of course, an auto accident attorney helps you get the compensation you deserve).

What Is Underinsured/Uninsured Motorist Protection?

An uninsured/underinsurance motorist protection policy covers you where someone causes an accident and either does not have any bodily injury coverage or not enough bodily injury coverage to compensate for the damage sustained to an injured party. An Underinsured/Uninsured Motorist Policy provides an important layer of protection in addition to your PIP and Bodily Injury insurance policy, including (but not limited to):

  • Medical bills
  • Pain and suffering
  • Lost wages and disability
  • Loss of the future enjoyment of life
  • Long term nursing care
  • Accrued medical expenses
  • Wheelchairs and medical devices
  • Death

How Much Bodily Injury Coverage is Enough?

Bodily injury coverage is important to protect yourself against personal liabilities following an accident; however, there is no one-size-fits-all answer to this question. All insurance providers provide different types of coverages and the minimum amount is typically $10,000. Of course, we’d recommend opting for as much as you can afford because doing so will reduce your risk of falling short of personal finances and potential civil liability in the event of a car crash.

Charles Legal PLLC

If you’re looking for a personal injury lawyer in Fort Lauderdale, you’re in luck. Our team of experts has years of experience and a proven track record of helping our clients recover without worrying about medical treatment, loss of earnings and personal finances following a car accident. Call Today (954) 342-6446

All you need to do is schedule a free consultation with our team of experts and we’ll take it from there.


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