Automobile Insurance in Florida
Important information to know when you’ve sustained an injury in an automobile accident
Florida is a No Fault State, when it comes to medical coverage. That means that if two parties are involved in an accident, their own insurance pays for their own injuries, no matter who caused the accident. For example, John collides into Susan. John was at fault in this situation and Susan gets hurt. Despite this, Susan’s insurance covers her medical treatment even though John was at fault.
If you raise the amount of medical coverage, your premium will increase. If you add deductible, your premium will decrease. My experience has shown that the cost of increasing your coverage is inexpensive, relative to the total cost of your six month premium. Whereas, when increasing your deductible, your premiums are reduced so little, that for most people, it might not make sense to do so.
Ask your insurance representative these questions
To reduce my out-of-pocket expenses, how much more per month would increasing my PIP coverage from 80% to 100% cost?
If I add a $1,000 PIP deductible, how much am I saving in premium costs per month?
Does that mean if I am in an accident that the first $1,000 of medical benefits is my responsibility?
By getting the answers to these questions, it will be easier for you to decide what the most cost-effective auto insurance policy is for you and your family.
I’ve been treated automobile injuries, including whiplash, for over 35 years, so I understand the medical concerns that patients have. Don’t worry, I am here to help you and your family with your healthcare needs! Plus, if your condition requires additional doctor or legal referrals, I can help with those as well.
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The patient and any other person responsible for payment has a right to refuse to pay, cancel payment, or be reimbursed for payment for any other service, examination, or treatment that is performed as a result of and within 72 hours of responding to the advertisement for the free, discounted fee, or reduced fee service, examination, or treatment.