Have Questions about Your Auto Insurance? John Bales Attorneys Can Help.
Although your auto insurance company may not always be helpful after an auto accident, Florida law requires that you carry insurance for any four-wheeled vehicle that you own and operate. If you are involved in a car wreck where someone is injured and you do not have insurance, you can face stiff penalties—including the loss of your license and even jail time.
Florida insurance laws are complex. The level of coverage you need depends on many different circumstances, and sometimes you may not realize your coverage is lacking until after the accident. At John Bales Attorneys, our auto accident lawyers are familiar with car insurance laws in the state, and we can help you after your accident—just dial (800) 225-5564 or fill out a free initial consultation form.
Types of Auto Insurance
When you purchase auto insurance in Florida, there are many factors to consider and several types of insurance available, including:
- Personal Injury Protection (PIP) — or Florida No-Fault Insurance—covers your damages regardless of who is at fault for the accident. You must carry a minimum of $10,000 of PIP coverage.
- Bodily Injury Liability (BIL) — covers the costs related to the permanent injuries or deaths of others if you are involved in an auto accident. This coverage also provides compensation in the event that you are sued for the accident.
- Property Damage Liability (PDL) — PDL coverage pays for any damage that occurs to other parties’ vehicles in the accident.
- Uninsured and Underinsured Motorist (UM/UIM) InsuranceUM and UIM insurance covers damages if the person who caused your accident does not carry his or her own insurance policy.
Types of Uninsured and Underinsured Motorist Claims
Many passengers and drivers do not fully comprehend the many instances where uninsured and underinsured motorist claims can arise. This is why it is important to contact an auto accident attorney to fully understand your rights as a motorists.
Uninsured motorist coverage can apply to a variety of situations including but not limited to the following:
- Possible if you are a pedestrian that is struck by a car with a driver who lacks the appropriate amount of coverage;
- Can also apply in hit-and-run accidents if there is direct contact between your vehicle and another vehicle;
- If your vehicle is struck by a driver who does not have enough insurance;
- If you are riding a bicycle and are hit by a car with a driver who does not have the appropriate amount of insurance coverage;
- If you are a passenger in another car that is hit by a driver who lacks sufficient insurance.
In many cases, a combination of uninsured/underinsured policies may apply to your auto accident case and offer opportunities to help pay your medical bills and pain and suffering.
It’s important that you start a claim soon after your accident as there are time limitations on how long you have to file a claim. If you wish to discuss your accident with a car accident lawyer in Tampa, FL, contact John Bales Attorneys now. If we handle your case, we only get paid if you do.
Call the auto accidents attorneys at John Bales Attorneys now for a FREE consultation at (800) 225-5564, or fill out our online form.
Get John Bales Attorneys on Your Side
As auto accident lawyers, we know that insurance companies do not always play by the rules—and they may deny you money when you need it the most. It is our goal to level the playing field and fight for your rights to compensation. To get the experienced legal team at John Bales Attorneys on your side, contact us today.