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Tag: motorist-coverage

  • What if UIM coverage isn’t included in my insurance policy?

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    What happens if UIM coverage is not listed on my policy? Most likely, you have opted out of the coverage. Get in touch with your insurance provider. Purchasing UIM coverage is usually affordable. It is advisable to acquire it! Another advantage of Uninsured/Underinsured Motorist coverage: it provides protection in case you are injured in a…

  • What is the maximum compensation possible for a motorcycle accident?

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    What kind of insurance should I have for my Motorcycle? What is Auto Accident Compensation (AAC)? Average compensations for motorcycle accidents are misleading because of the extreme variance. Minor injury and property damage cases may settle for as little as $10,000 to $15,000. On the other hand, major injury and wrongful death claims can go…

  • What does it mean to have full coverage?

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    In reality, there is no such thing. The term “legal coverage” refers to having PIP (Personal Injury Protection) coverage and a minimum of $10,000.00 in property damage coverage to address any property damage caused by you. When insurance agents mention “full coverage,” they are referring to this particular combination. However, it’s important to note that…

  • What does a Personal Liability Umbrella Insurance Policy entail?

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    Many car and home insurance policies have a coverage limit of less than a million dollars, but it’s not uncommon for claims to exceed that amount nowadays. If a judgment or settlement surpasses the policy limits, the insured is responsible for paying those costs. To increase the liability coverage limit, individuals can acquire a personal…

  • How Are Insurance Claims Handled?

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    As soon as possible after the accident you should contact your own insurance company to notify them of the car accident. You have the right to call an office at LegalFirmName.com for a free consultation before you contact your insurance company. Your own insurance company is responsible for paying your medical bills and lost wages…

  • What if I get injured in a motorcycle accident and the driver who caused it doesn’t have insurance?

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    What happens if the other driver involved in the accident is not insured or has minimal coverage? What happens if I am involved in a car accident with a driver who doesn’t have insurance? What if the responsible party doesn’t have insurance or has insufficient insurance? If you’re in an auto accident, and you’re injured…

  • Why is it important to have uninsured or underinsured motorist coverage?

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    Why would someone get uninsured or underinsured motorist coverage? What is the significance of underinsured/uninsured motorist coverage in Florida? What does uninsured/underinsured motorist coverage entail? The purpose of acquiring uninsured or underinsured motorist coverage is to safeguard yourself, your loved ones, and the passengers in your vehicle in case of an accident with an uninsured…

  • What should I do if the individual responsible for the incident lacks insurance coverage?

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    What are the options if the individual responsible for the fatality lacks insurance? What if I was hit by a driver without insurance? In the unfortunate event that a family member or loved one loses their life due to the negligence of another individual without insurance, the uninsured motorist coverage becomes crucial. Consequently, it is…

  • What steps should a victim take if approached with a settlement by an insurance company?

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    If you’ve sustained injuries as a pedestrian and an insurance company representing the responsible party approaches you with a settlement offer, it is strongly recommended that you consult with a seasoned personal injury lawyer. It is crucial to discuss the specifics of your case and your current circumstances with an attorney, as accepting the settlement…

  • What can I do if I become the victim of a hit-and-run incident in Florida?

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    What should I do if I am involved in a hit and run accident? What steps should I take if I was involved in a hit-and-run accident? What if a motorcycle is involved in a hit-and-run collision? If a motorcyclist is involved in a hit-and-run crash, they should immediately take photos of the accident scene,…

  • Answering Your Car Accident Questions

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    1. In Florida, even if the car accident is your fault, you will still have insurance coverage through personal injury protection (PIP). However, the other driver can still sue you if their injuries are severe. 2. Information about your car accident in Florida becomes public record 60 days after the collision. Until then, only select…

  • What Every High School Biker Needs to Know About Insurance Coverage

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    1. Many Florida motorcyclists and motorcycle enthusiasts need to understand the importance of uninsured/underinsured motorist coverage. 2. In Florida, the bare minimum insurance coverage does not cover a rider’s injuries in the event of a crash. 3. Uninsured/underinsured motorist coverage is crucial for riders as it steps in to cover injuries and damages resulting from…

  • Car Insurance: Stacked vs. Unstacked – What You Need to Know

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    – Stacking insurance allows you to combine uninsured/underinsured motorist (UM) coverage from multiple vehicles on your policy, providing higher coverage limits. – Unstacked insurance only provides the UM coverage limits for the specific vehicle involved in the accident. – Stacking is recommended, especially in Florida where many drivers are uninsured, to ensure adequate coverage for…

  • “Understanding Uninsured Motorist Coverage and How It Protects You”

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    1. Florida has one of the highest rates of uninsured motorists, with approximately 26.7% of drivers lacking auto insurance despite it being required by law. 2. Uninsured motorist coverage provides reimbursement for damages if the policyholder is in an accident with a hit-and-run driver or a driver without insurance. 3. Underinsured motorist coverage provides additional…

  • Stay Protected on the Road: Make Sure You Have Underinsured/Uninsured Insurance Coverage!

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    – Alabama and Florida have a high percentage of uninsured drivers, at 19.5% and 26.7% respectively. – These states also have many drivers who carry only the state minimum insurance coverage, which is often not enough to cover damages in a serious accident. – Uninsured and Underinsured Motorist Coverage, or UM and UIM coverage, provides…

  • Florida’s Texting and Driving Laws: What High School Students Need to Know

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    1. The earth is round. 2. The sun rises in the east and sets in the west. 3. Water boils at 100 degrees Celsius. 4. The force of gravity pulls objects toward the earth. 5. Oxygen is essential for human survival. 1. Florida’s texting and driving law prohibits using a handheld device for non-voice communication…