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Ocala Car Insurance Lawyer

Understanding Car Insurance

If you own a motor vehicle in Florida, understanding car insurance requirements is a must; you cannot legally operate a car or truck without insurance in our state. But understanding insurance is equally important if you’ve been in a car accident, as car insurance will be the primary avenue through which you seek damages. The following provides an overview of car insurance in Florida – for more information that is specific to you and your policy, please call Ocala car insurance lawyer Marianne Howanitz, PA, Attorney at Law today.

What Type of Insurance Is Required in Florida?

The state of Florida requires that individuals who own and register a vehicle carry insurance on that vehicle. The two types of car insurance that are required are:

  • Personal Injury Protection (PIP) coverage.Florida is a no-fault car insurance state, which means that drivers involved in a car accident will always turn to their own insurance company for compensation first regardlessof who actually caused the accident. As such, PIP insurance is mandated. This type of insurance pays for injuries suffered by drivers and passengers in a crash and must be maintained at a minimum coverage level of at least $10,000.
  • Property Damage Liability (PDL) coverage. The second type of insurance that is required in Florida is PDL coverage. Unlike PIP coverage, which pays for damages to one’s person, PDL pays for damages that you or a family member driving your car cause to another party’s property in a crash. This too must be carried in a minimum amount of $10,000.

In addition to the two required insurance types, the Florida Department of Motor Vehicles can also request that certain drivers, such as those that have an accident history, carry Bodily Injury Liability (BIL) coverage. BIL coverage can be purchased by anyone who wants this added layer of protection, and pays for injuries to others when the policyholder causes an accident. BIL coverage also provides legal representation in the event that the policyholder is sued.

Other insurance types available include uninsured/underinsured motorist coverage, which pays for damages to your vehicle or person in the event that the at-fault driver does not have insurance or enough insurance and your injuries exceed the no-fault threshold; collision coverage, which pays for damages to your vehicle regardless of fault in the event of a crash; and comprehensive coverage, which helps to pay for damages notcaused by a collision.

Filing a Car Insurance Claim

If you are in a crash in Florida, it is important that you inform your insurance company of the crash and initiate the claims process as soon as possible. Delaying to do so could result in a denial of compensation.

Further, you should also be cognizant of the fact that your insurance company is interested in saving money, which usually means paying you as little as possible. To improve your chances of recovering the maximum compensation award available, you should contact an experienced car accident attorney as soon as possible after an accident.

At the law office of Marianne Howanitz, PA, Attorney at Law, our talented Ocala car insurance lawyer can guide you through everything you need to know regarding car insurance and filing a car accident claim. For a free consultation, call our office today or send us a message now.

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