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Floridians Spend A Lot On Car Insurance Without Getting Much

High car insurance rates have been a persistent problem for a long time in Florida. There are a variety of reasons for these high rates: uninsured drivers, persistent fraud, a lot of car accidents (often thanks to streets clogged by vacation season), and then there’s the fact that Florida is one of a small number of states which require personal injury protection (PIP) insurance to go with their regular policy. Put all these factors together and it’s clear that Florida auto insurance leaves a lot to be desired.

Don’t Get In An Accident

A few months ago, released a study which points to Florida as being the most expensive state in the Union when it comes to auto accidents. Reportedly, a full 23.8 percent of Florida drivers don’t carry insurance, and for those that do the minimum coverage is so low that you’ll likely wind up paying for a large portion of your repairs out-of-pocket even if you are covered. Specifically, the minimum property damage liability coverage is just $10,000, which doesn’t compare favorably to states where $50,000 of overall minimum coverage is the norm.

Uninsured/underinsured driver coverage costs extra, but when it can come up in nearly one out of four collisions with other cars you’ll likely consider it worth the cost. You may also want to carry more than the minimum liability coverage, but on the other hand you may not want to expand your PIP policy.

The PIP Crunch

PIP insurance sounds like a great deal, at least if you don’t know many of the details. Personal injury protection is a “no fault” health insurance supplement to your required car insurance policy, and it allows you to seek medical help after a car accident – even if you weren’t in a car at the time – as fast as possible without having to stop along the way to describe the details of the accident and without having to worry about whether your injuries are covered.

However, Florida added a few other regulations to how PIP insurance works in order to combat what it perceived as fraud, though whether these regulations are more of a chore for fraudsters than for regular policyholders is debatable.

Most notable is the fact that you can’t access more than $2500 out of a $10,000 policy without a doctor’s written statement that you are at risk of death or permanent disability without that extra money. Another limitation is that you must seek medical attention within two weeks of the accident even though head injuries in particular can often take much longer than that to fully show themselves.

Fortunately, there are ways you can at least get the most out of an insurance policy. While insurance claims adjusters are constantly looking for ways to reduce costs for their company, a good personal injury lawyer knows how to negotiate with them to get the best possible settlement. A lawyer can’t make a policy appear where there was none or increase a settlement past the maximum coverage allowed, but one can help you convince the at-fault party to settle out of court.

If you live in Florida, particularly the southwest part of the state, then the personal injury lawyers you should call are , Goldman, Babboni, and Walsh. Contact us today for a free consultation and we’ll do our best to get you the kind of settlement you deserve.

Attorney David Goldman has a strong belief that everyone should be treated fairly and those with the means should do what they can to bring justice in all areas of our society. That belief has led him to help Florida's injured from being taken advantage of by corporations and insurance companies. Since 1989 David Goldman has been fighting for the rights of Floridians both as an attorney and by personally supporting our community.

Floridians Spend A Lot On Car Insurance Without Getting Much

Goldman Babboni Fernandez
Murphy & Walsh

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