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Car Insurance: Get the Right Coverage!

auto accident

If you own a motor vehicle which is registered in the State of Florida, you are required to have certain types of coverage, namely Property Damage and Personal Injury Protection. If you have only these two types of coverage, you have what is mandated by the State. You do not have “full coverage.” Many people mistakenly assume that if they carry the required coverage, that is all they need – nothing could be further from the truth!

At Hicks & Motto, we can’t begin to tell you how many injured people have come into our office in the last 25 years after having been in an automobile accident and thinking they have “full coverage,” since they have the coverage which the State requires all automobile owners to have. It is heartbreaking to tell them that they actually have no insurance coverage which will pay them in the event they need to be off work for an extended period of time, or that will pay their medical bills for extended hospitalization or surgeries.

There are two additional types of coverage which are, in my opinion, extremely important to purchase. The first of these is called Bodily Injury Liability (“BI”) coverage. That coverage is designed to protect your personal assets in the event you cause or contribute to an automobile accident. For example, if you are involved in an automobile accident which is totally or partially your fault, and anyone is injured, the injured party or parties can sue you. This is the case if you are driving the automobile or if you own the automobile which is involved in the accident.

If you don’t have BI coverage and the injured person or persons obtain a judgment against you for damages they sustained on account of your negligence, your personal assets can be in serious jeopardy. Further, you will either have to defend yourself in court or hire an attorney at your own expense to do so. If, on the other hand, you had purchased Bodily Injury Liability coverage, your insurance company will not only provide an attorney on your behalf, but they will also pay the injured parties’ damages up to the limits of your coverage.

If the driver who caused the accident does not carry BI coverage and you are seriously injured, you may have no recourse against that driver, unless they have sufficient personal assets against which you can collect a judgment. So, how do you protect yourself in that situation? Uninsured (or underinsured) Motorist coverage, called “UM” for short, is the answer. If you have UM coverage, your own insurance company will pay you for your damages if the at-fault driver either doesn’t have Bodily Injury Liability coverage, or doesn’t have sufficient coverage to adequately pay all of your damages. UM is very valuable coverage to have – IT PROTECTS YOU.

In addition to discussing Bodily Injury Liability and UM coverage with your insurance agent, be sure to also ask them to review your current policy to be sure you are carrying adequate Property Damage coverage. In this day and age, when many vehicles on the road are worth $50,000 or more, you need to be sure you have enough Property Damage insurance. Also, carefully look at your Personal Injury Protection (PIP) coverage and Medical Payments coverage. In my experience, for just pennies a month, you can increase your Medical Payments coverage to the maximum allowed by law. Make sure you understand what it means if you have a deductible on your PIP and ask how much it would cost to remove that deductible.

If you are involved in an auto accident, call Hicks & Motto, P.A. for a free consultation.

PIP Rates Rise Despite Reform

PIP, or Personal Injury Protection, is a mandatory portion in all Florida automobile insurance policies, providing up to $10,000 in no-fault medical and lost wage benefits to a person who has been injured in an auto accident. In 2012, the Florida Legislature, along with Governor Rick Scott, made it a top priority to help automobile insurance companies reduce the benefits they were obligated to pay to an injured person after an auto accident. The automobile insurance carriers, along with Governor Scott, promised reduced rates and significant premium cost savings to Florida drivers as a result of the PIP reforms and a dramatic reduction in benefits.

Monday was the deadline for automobile insurers to file their 2013 rates with the state, and unfortunately for the citizens of Florida, half of the early filings approved by regulators show an increase in PIP rates up to 26.3 percent. Hicks & Motto has a dedicated team of PIP attorneys and support staff standing up to these automobile insurance carriers by seeking justice for consumers, and ensuring PIP automobile insurance carriers pay the appropriate benefits.

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