Comprehensive coverage is a bit of a misnomer when it comes to liability protection. Full coverage does not “fully” cover the insured, but instead provides the minimum protection required by Florida law.
We have extensive experience litigating insurance claims and recovering compensation for injured parties. We are committed to educating Floridians about the limitations of their own policies and helping them obtain broader liability protection. our law firm offers a free policy review with recommendations to the public on how to add important coverage to complement your insurance.
what does full coverage insurance cover?
in florida, this “full coverage” turns out to be:
- a minimum of $10,000 personal injury protection (pip)
- a minimum of $10,000 property damage liability (pdl)
- bodily injury
- and benefits for uninsured drivers
The $10,000 pip is used to pay 80% of your medical bills and 60% of your lost wages if you are injured in an accident. PDL covers medical, surgical, funeral, and disability benefits. Because Florida is a “no-fault” state, the insurance company pays for these damages up to $10,000 regardless of fault.
The renowned fort lauderdale full coverage attorneys at the law offices of anidjar & Levine are dedicated to helping Floridians obtain comprehensive coverage for their motor vehicle needs. We have successfully handled all types of insurance claims, obtaining compensation for drivers in Miami and other areas of Florida.
what no-fault insurance covers
No-fault insurance also covers family members who don’t have their own policy. Your PIP will protect family members who are personally injured while riding in someone else’s car. It will also cover you if you are injured as a pedestrian or cyclist hit by another vehicle.
Under your pdl coverage, the insurance company will also pay up to a certain amount for property damage caused by your cars, such as damage to trees, buildings, road signs, and mailboxes.
It will also cover the cost of repairing someone else’s vehicle, even if the accident was your fault. If the accident resulted in a “total loss”, meaning it would cost more to repair the vehicle than to replace it, pdl will cover a portion of the replacement cost.
limitations of full coverage insurance
Although comprehensive coverage sounds like a lot, it’s actually a fairly low amount of protection when you consider the high cost of car damage and medical care. Even if you didn’t cause the accident, you may still have to pay prohibitively expensive bills that can threaten your financial future.
Full coverage insurance also has serious limitations, of which you should be aware. First, it doesn’t pay for repairs to your car after an accident. will only pay for damage to the other person’s car in very limited circumstances, such as when the car is “properly parked.”
Also, insurance won’t cover the cost of replacing your car if it’s stolen. Second, you must waive some of your legal rights in order to receive full payment for your injury. you cannot sue the other driver unless he can prove a “serious” or permanent injury. these are all “exclusions” stated in the policy.
make sure you’re covered in case you’re in a car accident
Unfortunately, most people don’t think about the possibility of wrecked vehicles and catastrophic injuries until it’s too late. That’s why more than half of the people on Florida’s roads drive with minimal or no insurance.
So if you think you’re “fully covered” in the event of an accident, think again. Comprehensive coverage requires advance planning and the purchase of sufficient insurance before an accident occurs. Because you will most likely be exposed to damage greater than the absolute minimum will cover, it would be wise to purchase full coverage insurance.
To adequately protect yourself, your property, and your assets, consider adding coverage for:
florida “full coverage” insurance is not enough.
statute of limitations for car accidents in florida
If you are in a car accident and believe the other driver is at fault, you may be entitled to compensation for your medical bills, property damage, and more.
Please note that Florida has a limit on the amount of time you have to file an injury claim or lawsuit in civil court. Under Florida Statutes §95.11(3)(a), you have four years from the date of the accident to apply.
Critical evidence can disappear over time. Surveillance video can be deleted. don’t let this window close on your opportunity to seek compensation. the sooner you call the team at the law offices of anidjar & levine, the sooner we can start building your case.
call a team member for help today
If you want full liability coverage in an accident, the lauderdale full coverage attorneys at the law offices of anidjar & Levine can help. we have seen many accidents and we know that they can be devastating. that’s why we’re committed to ensuring you’re protected by more than the minimum coverage. Call (954) 525-0050 today for a free consultation or contact us online.