May 22, 2020
Tips for Buying Car Insurance in Florida
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When it comes to protecting yourself and your vehicle, having the right car insurance policy in Florida is essential. The state has unique insurance laws, and not understanding them can leave you exposed to significant financial risk after an accident.
One of the most important tips for buying car insurance in Florida is to always include Uninsured Motorist (UM) Coverage in your policy.
Why You Need Uninsured Motorist Coverage
Uninsured Motorist (UM) coverage protects you if you are injured in an accident caused by someone who either has no insurance or not enough insurance to cover your damages. Unfortunately, Florida has one of the highest rates of uninsured drivers in the country. Without UM coverage, you could end up paying for medical bills and damages out of your own pocket, even if the crash wasn’t your fault.
Many drivers think they have “full coverage,” but that term is misleading. True full coverage should include UM, bodily injury, and property damage protection. Before you buy or renew your policy, review your declarations page carefully and make sure these coverages are included.
Other Important Car Insurance Tips
- Review your limits. Always choose higher limits than the state minimums. The minimum Personal Injury Protection (PIP) of $10,000 often isn’t enough to cover serious injuries.
- Add medical payments coverage; this can help pay for medical costs beyond PIP limits.
- Compare quotes. Different insurance companies offer different rates and discounts, so shop around before choosing one.
- Ask about stacking UM coverage; stacked coverage allows you to combine UM limits across multiple vehicles for added protection.
- Understand exclusions. Read the fine print to see what situations your policy may not cover.
When to Contact a Lawyer
Even if you have good insurance, disputes with insurance companies are common. Adjusters may delay or deny claims, minimize payouts, or misinterpret your policy. If you’re struggling to get fair compensation after an accident, it’s crucial to talk to a Miami car accident attorney who understands Florida’s insurance system and can protect your rights.
FAQs About Buying Car Insurance in Florida
What type of car insurance should I purchase for my vehicle?
You are legally required to carry at least Personal Injury Protection (PIP) and Property Damage Liability (PDL). However, you should also add Uninsured/Underinsured Motorist (UM) coverage and Bodily Injury Liability (BIL) for stronger protection.
Is uninsured motorist coverage mandatory in Florida?
No, it’s optional but highly recommended. It’s the only coverage that protects you if you’re injured by a driver without sufficient insurance.
Can I be sued if I only have the minimum insurance?
Yes. If you cause an accident and your policy limits don’t cover the other party’s damages, they can sue you personally for the difference.
What should I do after a car accident in Florida?
Seek medical attention, report the accident, and contact your insurance company, but avoid giving a recorded statement until you’ve spoken with a lawyer.
If you have questions about your car insurance policy or were injured in a crash in Florida, contact Bobby Nuñez, an experienced Miami car accident attorney, to get the compensation you deserve. Call Nuñez Law today to schedule a free consultation.