Most people are aware that Florida is considered a no-fault state when it comes to automobile accidents. What most people are not aware of, however, are the types of insurance that Florida law requires and what types of insurance are not required.
Many people are told that they have “full coverage” by their automobile insurance company. What most people are not told, however, is that in the state of Florida “full coverage” simply means that you carry personal injury protection (PIP) and property damage.
Bodily Injury insurance is NOT required in the state of Florida. This means that you can be involved in an automobile accident with someone who does not have bodily injury insurance coverage and could be forced to pay for a majority of your own medical bills.
Uninsured/Underinsured Motorist Coverage is available to provide a recovery for injuries sustained in an accident with an uninsured or underinsured driver, but again, this type of insurance is NOT required in the state of Florida, unfortunately leaving many people without the “full” coverage they believe they have.
If you are involved in an automobile accident, the right insurance coverage can pay for damages for your medical bills, lost wages, pain and suffering, as well as future medical expenses. But, getting the insurance companies to do the right thing by giving you what you deserve can be a difficult venture.
At Nicoletti Law, we strive to make sure our clients are not only receiving the proper medical care and treatment for their injuries but also that our clients receive a settlement for the true value of their injuries. We understand that you have been through a lot and just want you to focus on getting healthy while we take care of everything else.