You Need to Review your Insurance Policy after Watching this Video!

1/4 of the people are driving without insurance in Florida. Are you one of them? Hey, my name is attorney Edward Reyes and today I’m going to talk to you about bodily injury and uninsured motorists. More than a quarter of the people in Florida are driving without insurance. What does that mean to you? If somebody crashes into you and they don’t have insurance or they don’t have the provision in their insurance that says they have bodily injury, you cannot sue them for damages. Now you can’t sue them individually, but collecting can be very difficult. In the event that you are involved in a car accident, many times when you buy car insurance they tell you got full coverage but there’s no real such thing as full coverage. What does that mean?

In Florida, you only need personal injury and property damage personal injury covers you for your medical and property damage covers the other person’s car, not your own car you need collision for that. Now, you need to have a bodily injury on your policy in case you hit somebody else and they make a claim against you for damages, vice versa. If somebody crashes into you and they have a bodily injury you can make a claim against their bodily injury claim for pain and suffering going forward in addition to your own auto insurance which is your personal injury protection of $10,000.

Now if somebody crashes into you and they do not have bodily injury, if you have uninsured motorists, the uninsured motorists will cover you if they do not have insurance or if they do not have enough insurance. So, let’s use the example. Let’s say you have any $20,000 uninsured motorist policy on your policy in order for you to have that you need to have bodily injury yourself that person that crashed into you only has a ten-thousand-dollar policy. Let’s say your injuries are worth $30,000 to see the doctors and future care and things like that well they’re ten thousand will cover and then it deducts from that and then your 20 will pick up making the thirty thousand dollars in recovery. Let’s say they had no insurance your twenty thousand would kick in under your uninsured policy.

If you have any questions on this feel free to reach out to us at 813-421-3411 or you can come below as well.

(Transcript from the video, transcribed but not reviewed)