Florida Car Insurance Coverage Attorney
The declarations page on your car insurance policy lists the different types of car insurance coverages available to you in Florida. The coverage types you have are those listed for which a premium charge is shown. Contact our Florida car insurance coverage attorneys for more information, the different types of insurance coverages are also described in detail below:
Liability Coverage: This covers your legal liability for bodily injury to others (bodily injury liability) or damage to their property (property damage liability). Florida law requires you to have Property Damage Liability Coverage. The principal exclusions (items not covered by your policy) for this coverage are: (1) autos owned by you or furnished or available for the regular use of you or your family members, which have not been specifically covered under the policy, (2) vehicles with less than 4 wheels, and (3) claims for injuries to family members.
Personal Injury Protection: This covers you, your family and certain others for bodily injuries resulting from auto accidents, without regard to fault. Payments are for 80% of medical expenses, 60% for loss of income, replacement household services and (if the limit has not been exhausted by other benefits) a death benefit. Personal injury protection is also required under Florida law. The principal exclusions for this coverage are injuries sustained in autos you or family members own which have not been specifically covered under the policy, and injuries to other vehicle owners required by law to have their own coverage.
Medical Expense Coverage: This coverage supplements the medical expenses reimbursement of PIP coverage and provides basic coverage in situations where PIP does not pay. The principal exclusions are similar to those for liability coverage.
Uninsured Motorists Coverage: This coverage pays for bodily injuries to you, family members and certain others, resulting from the negligence of others. It pays when the at-fault party has no liability insurance, or liability coverage with limits not adequate to pay for the damages incurred, or if injuries result from a hit-and-run vehicle. Your coverage may be “stacked” or “no-stacked”. The principal difference between these two forms is that the total amount of protection under the stacked form is the sum of the limits applicable to each vehicle insured, whereas under the non-stacked form, the limit stated applies per car accident regardless of how many vehicles you own or insure.
Collision: This covers damage to your car resulting from upset or impact with another object.
Comprehensive: This covers damage to your car resulting from fire, theft and other direct losses not excluded. The principal exclusions are for damage to certain electronic and sound equipment; tapes and other media; radar detectors; undeclared camper bodies; and van or pickup customized equipment.
Other Coverages: In addition, your policy may contain other provisions that add or broaden coverage, as indicated by their titles. The principal provisions that may be found are Automobile Accidental Death Indemnity coverage; coverage for audio, visual and date electronic equipment, and customizing equipment coverage.
Renewal and Cancellation Provisions: You may cancel your policy at any time after it has been in effect for 60 days. During the first 60 days of your policy, you may cancel only if you dispose of the vehicle or it is a total loss. Under conditions where the law permits us to cancel or refuse renewal of your policy, we must give you advance notice as follows: (1) 10 days for cancellation because of non-payment of premium; (2) 45 days for cancellation for any other reason; (3) 45 days if we refuse to renew.
Florida Car Insurance Coverage Questions, Talk to Us
In the state of Florida, contact Reed & Reed for assistance. Our phone number is (813) 438-5960. We offer a free initial consultation which will be kept completely confidential and will not obligate you in any way.