Components of a Car Insurance Policy

Components of a Car Insurance Policy

a woman smiling in the driver's seatA car insurance policy comes with several components that provide protection for different scenarios. All drivers must carry liability insurance, at a minimum. However, if drivers elect not to purchase additional, optional coverage, they may not be able to recover compensation from their insurer for different types of damages.

Our Clearwater personal injury attorneys discuss the insurance options available to you so you can make an informed decision.

Which Car Insurance Policy is Right for You?

Florida requires drivers to carry personal injury protection (PIP) coverage and property damage liability (PDL) coverage, at a minimum. We discuss what each type of coverage pays for below:

  • PIP: This covers 80% of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash.

  • PDL: This covers damage to another person’s property caused by you or someone else driving your insured vehicle.

In addition to the minimum coverage, drivers may choose to purchase additional coverage from the options below:

  • Collision: This pays for damage caused to your vehicle in an accident.

  • Comprehensive: This pays for external damage caused to your vehicle through weather events, vandalism, etc.

  • Uninsured/underinsured motorist: This pays for damages caused to you by another driver who either does not have car insurance or does not have sufficient insurance to cover the full cost of damages.

Need Help with Your Insurer? We’re Here to Help

Insurance companies are notorious for protecting their bottom line at any means necessary, even if it means not paying you the compensation to which you’re entitled.

If you’re having a tough time negotiating with your insurance company after a car accident, our Clearwater personal injury attorneys are here to help. We have recovered more than $75 million for auto accident victims, and we’re here to fight for you, too.

Contact Roman & Gaynor at (727) 877-1212 to schedule a free case review.

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