Naples, Ft. Lauderdale, Fort Myers Auto Accidents, Understanding Insurance Options
Before you are involved in an auto accident, it is important that you know all of the insurance requirements and options available to you in Naples and the state of Florida. Having the right auto insurance coverage will protect you and your loved ones in the event that you are involved in a car accident. To help you choose the right coverage, the law firm of Feingold & Posner has compiled a brief primer explaining several different kinds of coverage and how they will affect policyholders who have been involved in an accident.
Personal Injury Protection Insurance
Florida state law requires all drivers to be insured with a minimum of $10,000 of personal injury protection insurance. This insurance covers losses caused by injuries sustained in an automobile accident. This type of insurance covers not only you, but your relatives that live in the same residence, passengers without personal injury protection, and drivers who have permission to drive your vehicle. Personal injury protection insurance also covers you in automobile accidents where you are a pedestrian or bicyclist.
Personal Damage Liability Insurance
Like personal injury protection, Florida state law requires that all drivers be insured with a minimum of $10,000 personal damage liability. This insurance covers property damage to the other party involved in an auto accident. If you are liable for the damages caused, this coverage will protect you.
Bodily Injury Liability Insurance
If you have been involved in a certain type of auto accident or convicted of certain offenses, you may also be required to carry bodily injury liability insurance under Florida law. Bodily injury liability insurance pays for serious and permanent physical injury sustained in an auto accident. In addition to covering your liability costs, insurance companies provide policy holders with representation related to a serious auto accident. This type of coverage also provides a defense in case you are sued.
No matter what kind of coverage you decide to take, it is important that your vehicle is always insured under the minimums required by Florida state law. Failure to do so can result in the loss of your license for up to three years or until you provide proof of current insurance.
For more information or help regarding an auto accident case, complete our email form or 1-888-792-7301.