Car Insurance Coverage Breakdown for Non-Insurance Experts
What is the difference between collision and property damage? What is comprehensive insurance coverage? Why is Florida called a “No-Fault” state, but my insurance is saying I was at fault?What is “UM” and why did my insurance company give me a UM rejection form to sign?
It seems like the more questions you ask, the more questions come up. We’ve all been there, and we had to learn somehow. That’s why we created an easy-to-follow breakdown of the different types of car insurance coverage in Florida.
Bodily Injury coverage will pay for damages that you caused in a motor vehicle accident.
Property Damage will cover the cost to repair the vehicle or vehicles that were damaged in a car accident you caused.
Uninsured/Underinsured Insurance Coverages come into play if another driver caused the accident and did not carry the coverage necessary to cover your bodily injury and/or property damage. Read more.
Personal Injury Protection will cover up to $10,000.00 in medical bills regardless of whether you were at fault for the accident. However, you must see a doctor within 14 days of the accident in order to be eligible for the full policy limits, although an attorney may help you obtain PIP coverage if you didn’t receive treatment for your injuries within 14 days. Read more.
Collision will cover the cost of repairs to your own vehicle after an accident up to your policy limits and after your deductible, if any.
Comprehensive covers things like broken glass, stolen items in your car, or even your stolen car. It will also cover damage from things like vandalism, fire, and acts of nature.
Questions about whether you are covered for your injuries after an accident? Call Rosen Injury Law for a consultation.