Car Accidents and Insurance

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What Does An Auto Insurance Policy Cover?

The policy should at least cover the state's minimum requirements for the three important categories listed above. Coverage is often abbreviated with a set of three numbers divided by backslashes. For example, 15/30/5 may be specified. This means that there is $15,000 allowed per injured person, $30,000 per incident regardless of the number of people involved and $5,000 for property damage. This is simply an example. Minimums for each category are set by individual state insurance laws and vary from one state to another.

Click Here: For Florida Insurance Policy Information

Bodily injury inclusions are for other motorists involved in the accident and do not cover the policyholder. Property damage provisions pay for damage to the injured person's vehicle, home or other affected personal property. A few states require uninsured motorist insurance. Although not all states require personal injury protection or PIP, some require this provision as well. While bodily injury coverage is for other affected drivers and their passengers, PIP covers the injuries of passengers in the policyholder's vehicle when there is an accident. It is required in some no-fault states. Optional collision insurance covers a wide array of accident-related damages even if an accident was caused by the policyholder.

Uninsured Motorist Coverage Explained

There are many wrong assumptions about uninsured motorist coverage. If another person drives a policyholder's vehicle, the policyholder is still liable for damages caused by that driver. Uninsured motorist coverage helps fill in gaps if the driver is uninsured or lacks adequate coverage to meet the state's minimum requirements. While it is an add-on option in most states, some states require policyholders to purchase this coverage. With this insurance provision, policyholders are reimbursed for lost wages, medical costs and other expenses incurred by the uninsured motorist up to the policy limit.

Click Here: For More Information on Florida Uninsured Motorist Coverage

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Main Office: 200 E. Robinson St. Suite #250, Orlando, Florida 32801. Attorney Jeffrey Kaufman, Licensed in Florida Disclaimer: the purpose of this site is to provide information about legal options, not to provide legal or professional advice. You should not assume that the information on this site applies to your case without consulting with an attorney first. Requesting an initial consultation does not create an attorney client relationship. The hiring of a lawyer is an important decision that should not be solely based on advertisement.

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