One of the greatest things about becoming an adult is getting your own car; nothing compares to the freedom and independence of it. Of course, you have to take the car and everything that comes along with it. Insurance is expensive, and the more coverage you want or need, the more you have to pay. Many states require you to have some form of auto insurance at all times, and the minimum requirements vary between states. Because it is an expensive requirement to have, many people tend to stick with the minimum and leave it at that; but being underinsured can prove to be dangerous in the long run. The Payer Law Group can offer an auto accident attorney Orlando can trust to get you on the right track and discuss your options.
Insurance in Florida
Florida is considered a no-fault state. What this means is that if you are in an accident, you have to file claims with your own insurance for compensation regardless of whether or not you were at fault. These laws and are restrictive in terms of what qualifies for certain compensation- but this also means you will likely get your compensation faster. Without having to go through the process of filing a lawsuit against another company and waiting for everything to be drawn out, your insurance company can process your claim quicker. Without the right amount of coverage, you could still be left floundering once your medical or repair bills come due. Contacting an auto accident attorney Orlando depends on can help you determine what kind of protections to get.
How to Avoid Being Underinsured
In the state of Florida, the minimum requirement for auto insurance is $10,000 personal injury protection and $10,000 property damage liability. However, if you are involved in an accident where the damages equate to more than that, you could end up seriously unprotected. Being in a no-fault state, it is essential that you get enough personal injury protection to cover as much as possible. In some instances, it is possible to file a personal injury lawsuit against the other driver, but there are a lot of restrictions in place to avoid this happening too often.
Although insurance tends to be expensive, paying a little more for extra coverage now can help in the long run if you are involved in a serious accident. If you are in a severe crash, the medical bills for treatment alone could add up to thousands, depending on the severity of your injuries. Afterward, things like physical therapy even the cost of missing work could come into play. Add in the repairs or replacement to your car, and the costs could be astronomical.
If you find yourself underinsured, it can be dangerous, to you and those around you. If you are getting a car and you want to work to consider how much protection you need, ask the experts. Call or visit the Payer Law Group today to find an auto accident attorney Orlando can count on to move you in the right direction.