I have represented people involved in automobile accidents for more than 20 years. During my initial meetings with clients, one of the most important topics of conversation is the insurance coverage they purchased for their own auto. Many people tell me they have “full coverage”, believing they are adequately insured. However, when I ask the specifics of what coverage they actually own, they generally have no idea. Do they have bodily injury coverage, which protects them if they cause injury to a third party? Did their agent explain to them the need for uninsured motorist coverage to protect them if they are injured by an uninsured driver, and did they purchase it? What limits of coverage did they actually buy? They simply do not know.Contrary to what is generally believed to be true, Florida is not a mandatory bodily injury liability state. The only mandatory coverage in Florida is property damage, which pays damage to somebody else’s property when you are at fault, and personal injury protection, also known as no-fault. No-fault pays a portion of your medical expenses when you are involved in an accident regardless of which driver was […]
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