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Florida Comprehensive Auto Insurance Coverage

What is Comprehensive Coverage? Comprehensive coverage is a form of car insurance that covers damage to your vehicle caused by factors other than an accident or a collision. Comprehensive insurance will cover your car if it is wrecked by a tornado, dented by a deer, vandalized, damaged as a result of a break-in, or crushed in case of a collapsing garage, among other things. Comprehensive coverage is an optional insurance policy that you may purchase to help safeguard your vehicle. Unlike certain coverages, comprehensive coverage does not have a limit. The maximum amount it will pay is determined by the actual cash worth of your automobile. You are responsible for paying your chosen deductible. Comprehensive insurance is not legally required in Florida. However, lenders may frequently request it if your vehicle is leased or not entirely paid off.  Damage from causes that are frequently beyond your control is also covered by comprehensive insurance. So, unless you've mastered the art of commanding the weather, every nearby tree limb, and every would-be burglar, comprehensive auto insurance is a smart idea. Is Comprehensive Coverage on every auto insurance policy? Automobile insurance coverage consists of three parts: comprehensive insurance, collision insurance, and liability insurance....

Uninsured and Underinsured Motorist Coverage in Florida

Being involved in a car accident can be a bad experience and worst if the at-fault driver lacks enough insurance. While no one expects to get involved in an accident, planning for the worst is always the best idea. If an uninsured driver hit your car, it could mean costly medical bills or vehicle repairs with your own money. You can get help if you protect yourself from uninsured motorist coverage. It is similar to purchasing an additional policy to cover you when the at-fault driver lacks insurance. What is UM Coverage? UM coverage stands for uninsured motorist coverage. It is a type of insurance protection in Florida that covers you when you are in a car accident with an uninsured driver. Since the other driver does not have insurance coverage to pay for your damages, your insurance company will cover you instead. It can also protect you from getting involved in an accident with an underinsured driver. UM coverage in Florida safeguards you from the outcomes of irresponsible motorists. What does UM Coverage Cover? Uninsured Motorist Coverage does not only apply to only you, including when you are in the car. It can be used to cover for your...

Florida Auto Insurance Collision Explained

Collision insurance is an option of auto insurance coverage that helps to pay for your car repair if your car is damaged due to an accident with any other vehicle or object. If you are financing your car or leasing it, collision coverage is usually required by the lender. It is optional coverage on your car insurance policy. In Florida, collision coverage is not required by law. This insurance helps you to repair or replace your car in case of damage that includes an auto accident that occurred with another vehicle, an accident by colliding with any other object including a tree or a fence, or a car accident involving rolling and falling. It is important to note that collision insurance does not pay in case of damage done to a vehicle that does not have to do with driving, damage to another’s vehicle, and medical bills. What do I need to know when it comes to purchasing collision coverage? When it comes to buying auto insurance, there are so many options available for insurance that it can create confusion for people who are not aware of the details in the policy. There are two main things when it comes...

Understanding Health Insurance and Car Accidents in Florida

I have health insurance how will that affect my car accident case? If you have health insurance, it can affect your car accident case in a few ways. First, your health insurance can be used to cover your medical expenses related to the accident. These include things like doctor visits, hospital stays, and physical therapy. This can help ease the financial burden of medical bills and allow you to focus on your recovery. However, it's important to note that health insurance has limits on what it will cover, and you generally will have to pay for some expenses out of pocket. Additionally, if you have a high-deductible health plan, you may have to pay a significant amount before your insurance will begin to make payments. When filing a car accident claim, it's critical to understand that any payments from your health insurance for your medical treatment will be considered a reimbursement. This means that if you win your car accident case and receive a settlement or judgement, the amount you received from your health insurance will be deducted from the total amount you are awarded. It's also worth noting that having health insurance does not eliminate the need for liability...

Overview of Personal Injury Protection “PIP” Benefits in Florida

Many Floridians are unaware that they may have as much as $10,000 of medical benefits (commonly referred to as Personal Injury Protection benefits or PIP benefits) if they are injured in a car accident within the State of Florida. PIP benefits are often available even if you do not own the motor vehicle involved in the accident and regardless of who was at fault. What is Personal Injury Protection? Personal injury protection, or PIP, is a component of a vehicle's insurance policy that reimburses policyholders for reasonable and necessary medical expenses resulting from a car crash. The limit of PIP insurance coverage is $10,000. Only a handful of states have PIP benefits and Florida is one of them. This type of insurance is also commonly referred to as "no-fault insurance" because payments are made regardless of fault or who was responsible for causing the crash. PIP covers injured policyholders as well as any passengers even if they don't own a car or have auto insurance of their own. Even if you have health insurance, you are entitled to PIP benefits. If the cost of your medical care goes over the PIP limit, then the additional costs may be paid by...

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