Your insurance agent or broker may have said, you have full coverage when you purchased car insurance. But do you know what it means?
Full coverage is a term created by insurance agents to show that you have the minimum insurance required by the State of Florida.
Full coverage is personal injury protection to pay your medical bills and property damage coverage. Personal injury protection will pay a portion of your medical bills and may pay your lost wages (payment for lost wages is typically purchased as an add-on above full coverage).
Property damage coverage will pay to repair vehicles or other things on the roadway you may have damaged in an accident you caused. It will not pay to repair your vehicle if it is damaged in an accident.
A significant number of drivers throughout the State of Florida, and specifically the Miami-Dade, Broward and Palm Beach area, have only full coverage or even worse no insurance coverage at all.
If you would like to speak to the lawyers at Piedra | Injury Law to determine if you are adequately protected by your auto insurance, please email Jay@PiedraLondon.com to set a time to discuss your options.