Attorneys Victor Demesmin Jr. and Jeremy Dover practice Bodily Injury Coverage law, otherwise known as liability insurance law. This insurance is a type of insurance you can ELECT as it is NOT REQUIRED, and it will provide coverage for damages you cause to another for Medical Treatment as a result of an auto accident.
What Happens To Your Bodily Injury Coverage When You Are Injured In An Accident In Florida?
When you are involved in an accident in the State of Florida, Bodily Injury Coverage is the first type of coverage you will seek from the at-fault party, ie the person whose negligent driving or actions caused the accident that injured you. Policies in this coverage begin at $10,000.00 per person and $20,000.00 per accident, meaning the insurance company will pay up to $10,000.00 to you to compensate you for your injuries, loss of income, pain and suffering, and other damages. They will also never be liable for more than $20,000.00 in one accident, which means if you and two other people were in your car at the time of the accident, the other, at-fault person’s insurance company will not pay more than $20,000.00 collectively for the three of you for the accident.
Elective Insurance Coverage Above $20,000.00
There are policies that range up to $1,000,000.00 and above at times because people want to make sure they are insured so that no one can come after them individually after an accident. But, as stated above, this is an ELECTIVE coverage and, according to the Insurance Research Council (IRC) there are approximately 23 percent of Florida Drivers that are uninsured and an even higher percentage that are insured but do not elect to have Bodily Injury Coverage on their policy. So, what do you do when someone hits you and causes damages and injuries, but they either do not have insurance or do not have Bodily Injury Coverage on their policy? Call Demesmin and Dover for more answers and a free evaluation of your case.