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Insurance Issues

Auto Insurance: Pursuing All Sources Of Accident Compensation

Motor vehicle accident cases come with many challenges, from proving the negligence of the driver that caused the accident to seeing that the victim gets proper medical care. One of the most complicated challenges is navigating through the maze of auto insurance issues that arise in these cases.

The Basics Of Auto Insurance

In Florida, an auto insurance policy can seem more like a collection of small policies:

  • Required coverage: This is the basic insurance that every driver is required to carry. This includes property damage insurance, covering property damage caused to another vehicle or property by the policy holder. It also includes PIP (personal injury protection) coverage, also known as no-fault insurance. This covers injuries to the policy holder and sometimes other people in the vehicle. It covers 80 percent of medical bills and 60 percent of lost wages, often subject to a deductible.
  • Liability coverage: This is additional insurance a policy holder can choose to cover injuries caused to others by the policy holder’s own negligence.
  • Underinsured/uninsured motorist coverage: This is additional insurance a policy holder can choose to cover themselves if they are in an accident caused by a driver who either has no coverage or insufficient coverage.
  • Medical pay coverage: This is additional insurance to cover the costs of medical bills above and beyond what is covered by PIP coverage.

Not surprisingly, many people don’t understand what their own insurance policies encompass; let alone what the policies of the negligent driver who caused an accident will cover. At DDB Law, our lawyers can sort through the details.

Finding Coverage And Getting Results

Our attorneys move quickly to address all auto insurance claims associated with motor vehicle accidents. Our goal is to obtain results in a timely manner, getting injury compensation and handling property damage claims for our clients.