I Have Full Coverage Auto Insurance – Not So Fast

Full Coverage Auto Insurance - Accident Lawyers - Sarasota, Bradenton, Punta Gorda

I Have Full Coverage Auto Insurance – Not So Fast

According to the National Safety Council (NSC) the average comprehensive cost of a fatal car accident is $4.1 million dollars, the cost of an incapacitating car accident injury is $208,500 and a non-incapacitating car accident injury will cost $53,200. These numbers include medical expenses, lost wages and property damage.

Now, take a look at your auto insurance policy. How does your auto insurance policy compare to the costs above? Will your auto insurance policy cover these expenses? If it does, consider yourself one of the few.

I have seen far too many seriously injured car accident victims, who are facing very large medical bills, are unable to return to work and have a totaled vehicle. Despite believing that they have “full coverage” auto insurance, they only have the Florida required minimum in coverage. Making matters worse, many times the driver that caused the damage is either uninsured or has the same bare minimum insurance policy. I have seen this scenario leave innocent victims destitute and without the medical care required to return their lives to an acceptable standard of living.

Not every driver in Florida has insurance or enough insurance to protect you should they harm you or damage your property. Not every driver that may seriously harm you in an auto accident has the assets to be worthy of filing a lawsuit. That’s the cold and hard reality of auto accident related injury claims in Florida.

What’s the bottom line? Talk to your agent, understand the various insurance coverages available to you and purchase as much of that insurance as you can reasonably afford.

My next article will address the various coverages which are available to you under Florida law. As always, if you have questions you can contact me directly with them.

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Sarasota Office:

2 North Tamiami Trail, 5th Floor
Sarasota, FL 34236

Toll Free: (866) 802-8182
Local: (941) 951-1800
Fax: (941) 366-1603

Hours:

Monday – Friday
8:30 AM – 5:15 PM

Saturday & Sunday Closed

Tallahassee Office:

2155 Delta Blvd, Suite 210-B
Tallahassee, Florida 32303

Toll Free: (877) 521-0890
Local: (850) 521-0890
Fax: (850) 521-0891

Hours:

Monday – Friday
8:30 AM – 5:15 PM

Saturday & Sunday Closed

Bradenton Office:

2401 Manatee Ave W.
Bradenton, FL 34205

Toll Free: (866) 802-8182
Local: (941) 748-8778
Fax: (941) 366-1603

Hours:

Monday – Friday
8:30 AM – 5:15 PM

Saturday & Sunday Closed

Punta Gorda Office:

122 Nesbit Street
Punta Gorda, FL 33950

Toll Free: (866) 802-8182
Local: (941) 655-6910
Fax: (941) 366-1603

Hours:

Monday – Friday
8:30 AM – 5:15 PM

Saturday & Sunday Closed