Choosing the Right Lawyer is No ACCIDENT- A Personal Injury Guide - By Jeff Adelman (2025 Edition)

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Choosing the Right Lawyer is No Accidentcan also pay up to 60 percent of lost wages. Total PIP coverage is cappedat $10,000 whether used for medical bills or lost wages.Importantly, PIP benefits follows the person in most cases. For example,let’s say Luke and Leia are traveling in a vehicle and the driver, Luke,causes an accident that injures both of them. If Leia owns a vehicle, herPIP benefits go through her own insurance company, and Luke's PIPbenefits go through his policy. This is the case even though Leia was notdriving. Now if Leia did not own a vehicle and nobody in her householdowned a vehicle, then she could get benefits from Luke’s policy.You can also purchase Medical Payments coverage, often called “MedPay” for short, which gives you supplemental coverage above the$10,000. You can get this additional coverage in amounts of $1,000 ormore above the $10,000 PIP coverage cap. Just like any other coverage,the more coverage you want, the higher your premium will be.If you have health insurance, Med Pay may not be necessary, because itwill kick in in after the $10,000 of PIP benefits is used up.Collision Coverage is another good option that you should have on yourpolicy. Collision coverage means if the person that hits you does not haveinsurance or if they don’t have adequate insurance, your insurance paysto get your car repaired or replaced.Collision coverage has nothing to do with personal injury, only propertydamage. If you don’t have this coverage on your policy and there’s adispute as to liability (who caused the accident), you’ll have to wait untilthat liability dispute is resolved before your car is taken care of. Whereasif you have collision coverage, you can get the car repairs paid for byyour insurance company right away, and your insurance company can goafter the other insurance company later to recover the money that theypaid out to repair your car, as well as any deductible you might have.This is called subrogation. Even if the accident is your fault, yourinsurance company is still responsible to repair your vehicle or pay forthe value of the vehicle if the car is declared a total loss.Jeff Adelman, B.C.S., Esq. 5
Choosing the Right Lawyer is No AccidentComprehensive Coverage involves incidents that don’t involve a caraccident such as a tree falling on your vehicle, vandalism or hitting ananimal.Property Damage liability coverage, along with PIP coverage, are theonly two requirements under Florida law. Property damage coveragecompensates for someone else’s property in an accident caused by yournegligence, not your own. The terms “full coverage” or “completecoverage” that insurance agents throw around cavalierly are meaninglessphrases, and I cannot help but cringe every time I hear a new client saythey have it. It’s sort of like saying “I’m wearing shoes.” What kind ofshoes are you wearing? Are they Nikes, Ecco, Kenneth Cole, or Crocs?High heels, sandals, cleats? If your agent says “this is for full coverage,”ask questions!Same with insurance. You have to know how much coverage you have,whether and when it could be helpful after an accident, and how much itwill help you and your family in the event of a physical and/or financialcatastrophe. If you have only $10,000 of UM coverage and you end upneeding surgery, and lose 6 months of work, how far is $10,000 going togo in helping you?Make sure your insurance agent is giving you good advice. Better yet,ask a personal injury lawyer that you trust to review your coverage withyou. We are the experts.6Jeff Adelman, B.C.S., Esq.
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Choosing the Right Lawyer is No ACCIDENT- A Personal Injury Guide - By Jeff Adelman (2025 Edition)

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