How To Protect Yourself If You Ever Get Into A Sarasota Auto Accident

No one ever plans to get into an accident. Unfortunately though, they happen everyday. According to the Sarasota County Sheriff's office, between January and July of 2021, there were already over 7,000 accidents in Sarasota. Thus, it’s important to know how to protect yourself before you get into an accident. Here are our recommendations of things you can do right now that will help you stay protected in the case of an accident.

Select A Great Insurance Policy

When you are in an accident, your damages are covered by the insurance companies. Having a good insurance policy with robust coverages is a great way to help ensure those damages are covered. Unfortunately, the state of Florida has a high number of uninsured drivers. According to the Insurance Information Institute, over 20% of the drivers in Florida do not have insurance.

This means that Florida residents have a high likelihood of getting into an accident with someone who does not have insurance. Add to that the number of drivers that only carry the minimum insurance requirements of the state of Florida, there may not even be enough insurance to cover your damages.

Insurance Coverages To Consider

As a result of these issues, it is imperative that Florida drivers carry a good insurance policy. A good insurance policy will keep you protected if the other driver is uninsured or does not have enough insurance to cover all the damages. You will definitely want to consult with your insurance agent to make sure that your liability, bodily injury, and property damage coverages are high enough that if you cause an accident, you have the coverage to pay the damages.

However, here are some additional coverages that we recommend to keep you protected in case of an accident caused by someone else:

  • Uninsured Motorist: Uninsured motorist is a coverage that will protect you if one of the 20% of drivers that do not carry insurance hits you. This coverage will help pay for all resulting damages.

  • Underinsured Motorist: Underinsured motorist is designed for if you are hit by someone who has inadequate coverage to pay all the damages. Underinsured motorists will kick in when they’ve reached their policy limit.

  • Collision: Collision is the industry term for what most people call “full coverage.” Collision is a policy designed to cover the damages to your car from an accident regardless of who is at fault. This is mostly a good idea on newer cars to cover the cost to repair or replace the vehicle. That way you don’t lose any money on your investment.

  • MedPay: MedPay is different from PIP, but it covers the same costs. MedPay is a good additional coverage if you are worried about the costs of medical bills. This is great for people with no health insurance or if your health insurance policy is very limited.

These coverages will help you have the resources to pay for the damages from an accident no matter the circumstance.

Know How To Document A Crash

The next important thing you can do is learn what to do if you are in an accident. One of the most important things is to collect as much documentation as possible. This documentation will not only prove to the insurance companies there was an accident, it will also help you prove who is at fault for the accident. Here is what to do if you are in an accident:

If your injuries are severe, seek medical attention immediately. What matters is your health, the rest can be done once you’ve gotten medical care.

● Contact the police and wait for them to arrive at the scene of the accident to file an accident report.
● Take pictures of everything including the road, the vehicles involved, and anything else that is relevant. There is no such thing as too many pictures, so take as many as you can.
● Collect the insurance and contact information from the other driver.
● Contact your insurance company and inform them of the accident. Keep this really brief and stick to the facts, you don’t want to say anything they will use against you later.
● Collect the names and contact information of any witnesses who saw the accident.
● When you get home write down everything you remember while it is still fresh in your mind.
● Even if you think you are injured, still seek medical attention. There are a lot of accident injuries that have delayed symptoms.

There are also some things you should never do that we cover in another article you can read here.

Having a good insurance policy and taking the right steps after an accident can really help you protect yourself. For more help, contact the team at, Goldmann, Babboni, Fernandez, and Walsh. We will fight to protect your rights after a Florida auto accident.

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