Will being in a car accident make my insurance rates go up?

When you are found to be not at fault for an accident, your insurance company should not raise your rates on your policy for having to use the coverages afforded to you under state law and that you have specifically purchased to protect yourself when an accident occurs. An insurance company can raise rates for… read more?

Why does my insurance company have to pay my medical bills after an accident?

Florida is known as a No-Fault State.  Every automobile insurance policy issued in Florida has a provision called Personal Injury Protection.  This is also known as PIP or Florida No-Fault coverage.  When an automobile accident occurs, regardless of fault, your insurance policy, through your Personal Injury Protection provision, pays for your initial medical bills.  This… read more?

Why would I sue my own insurance company?

Insurance companies are in the business of making a profit. The less an insurance company has to pay out in claims, the better it is for its bottom line. Even when an automobile accident is not your fault, there are still several potential instances where a claim needs or may be made on your own… read more?

Should I Carry Collision And Rental Car Coverage?

When another person is at fault for causing damage to your motor vehicle, their insurance company will ultimately be responsible for resolving your property damage claim, including putting you in a rental car if you are without the use of your vehicle until the claim is resolved. However, if the at-fault party is uninsured, or… read more?

Should I Carry Uninsured/Underinsured Motorist Coverage?

In the event you are involved in a motor vehicle collision that is no fault of your own and the person causing the collision does not carry sufficient Bodily Injury Liability Coverage on their automobile insurance policy, you should consider purchasing Uninsured/Underinsured Motorist Coverage. This coverage can stand in the place of Bodily Injury Liability… read more?

How Much Bodily Injury Liability Coverage Should I Carry in Florida?

In order to protect yourself against personal liability if you cause a collision involving motor vehicle collision, it is important to consider purchasing Bodily Injury Liability Coverage. Bodily Injury Liability Coverage can be purchased in a variety of different coverage amounts, with the minimum amount being $10,000.00 for any one injury claim. Depending on your… read more?

How Much Property Damage Liability Coverage Am I Required to Carry in Florida?

If you own a motor vehicle in Florida, you are required to carry a minimum of $10,000.00 in Personal Injury Protection Coverage and $10,000.00 in Property Damage Liability Coverage. There are currently no other automobile insurance coverage requirements that will protect you in the event you are involved in a motor vehicle collision, however, there… read more?

What is Gap Insurance?

In addition to your own automobile insurance, you have the option of purchasing GAP insurance when you take out a loan for a vehicle.  GAP stands for Guaranteed Asset Protection. GAP insurance may protect you in the event of an auto accident.  This insurance pays the difference, or the “gap,” between the balance of a… read more?

What is Collision Coverage?

Collision coverage with your insurance company pays for repair or replacement of your vehicle if it is involved in an accident. It will pay regardless of who causes the accident. It does not cover injuries to people or damage to property other than your vehicle. Generally, you will have a deductible for this coverage, requiring… read more?

What is Comprehensive (Comp)?

Comprehensive coverage with your insurance company pays for losses from incidents other than a collision such as a fire, theft, flooding, vandalism, or storm damage. Many insurance policies have deductibles for this coverage, meaning you will be responsible for the initial cost of the loss up to the amount of the deductible you have chosen. read more?

What is Property Damage (PD)?

Property Damage coverage pays for certain automobile damage that the other at fault driver causes to your vehicle. read more?

What is Uninsured/Underinsured Motorist Protection (UM)?

Uninsured/Underinsured Motorist Protection provides coverage to protect you and your family. It provides payment for remaining medical expenses and lost wages that you may have, payment for bodily injury, pain and suffering, loss of enjoyment of life, disability, and other non-economic damages that have been incurred as a result of the negligence of another person… read more?

What is PIP/Personal Injury Protection or ‘No Fault’ Coverage?

Personal Injury Protection (PIP) coverage with your own insurance company will pay for your injuries whether or not you cause the accident, up to the policy limits and only for specific economic losses. Under most policies, this coverage will apply towards reasonable and necessary medical expenses and lost wages. However, once the limits of coverage… read more?

What is BI or Bodily Injury Coverage?

Bodily injury coverage will compensate for an injury to your body or death when the other driver in a vehicle accident is found to be at fault. Regardless of the extent of the injuries, the insurance company of the at-fault party will still only pay up to the limits of liability provided in its policy.… read more?

What do I do if the insurance company is not offering me enough for my car?

Just like when buying a new car, the best thing you can do is arm yourself with knowledge.  The internet is your best resource. Kelly Blue Book and NADA are the standards in the industry to find the actual cash value (ACV) of your car.  Check out the classified advertisements in your local newspapers,… read more?