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Florida Automobile Insurance Policies
Collision refers to coverage of the damages to your vehicle arising from an automobile accident or a collision. Comprehensive refers to coverage of the damages to your vehicle arising from events that are not collision-related consisting of but not limited to theft, vandalism or even This serves as a brief summary of insurance coverage and hail. benefits involving automobile insurance policies of which You may be wondering what coverage is required in Floryou should be aware. ida and therefore don’t have to worry about adding to When purchasing your policy, it is important to select your automobile insurance policy. One such coverage is coverage that you can depend on in case you are ever in- Personal Injury Protection (PIP). The foregoing refers to volved in an automobile accident. There are many drivers the required benefits that are afforded by your automoout on the road without bodily injury (BI) coverage, for bile insurance carrier regardless of who is liable for the example. What is BI? It is the insurance coverage of the li- accident. These benefits consist of but are not limited to able party that may afford coverage for your personal in- 80% of your medical bills and 60% of your lost wages. jury claim for injuries you have sustained as a result of an automobile accident. So, what happens if the liable party Please keep in mind that the above is not a list of all covdoes not have BI coverage? You need to depend on your erage types. However, as this is only a brief informative own policy if your policy includes uninsured motorist or summary, all such additional information and details are underinsured motorist (UM) coverage. The foregoing is not included in this summary. Please be sure to become the insurance coverage you can count on when (1) the li- familiar with all exclusions listed in your policy and speak able party does not have sufficient or any BI coverage; (2) with your insurance agent about any changes that need to you have been injured as a result of an automobile acci- be made to your policy as soon as the need arises. dent caused by another’s negligence; and (3) you wish to Jessylin Polo Wiederhold, Esq. present a claim for such injuries. Polo Wiederhold Law, P.A. Comprehensive and collision coverage is another coverage type that is important to include in your policy. PLEASE BE ADVISED THAT THE CONTENT OF THIS POST IS NOT LEGAL ADVICE BUT SERVES AN INFORMATIVE PURPOSE ONLY AND PERTAINS TO FLORIDA POLICIES.
