A car insurance policy comes with several components that provide protection for different scenarios. All drivers must carry liability insurance, at a minimum. However, if drivers elect not to purchase additional, optional coverage, they may not be able to recover compensation from their insurer for different types of damages.

Our Clearwater personal injury attorneys discuss the insurance options available to you so you can make an informed decision.

Which Car Insurance Policy is Right for You?

Florida requires drivers to carry personal injury protection (PIP) coverage and property damage liability (PDL) coverage, at a minimum. We discuss what each type of coverage pays for below:

  • PIP: This covers 80% of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash.

  • PDL: This covers damage to another person’s property caused by you or someone else driving your insured vehicle.

In addition to the minimum coverage, drivers may choose to purchase additional coverage from the options below:

  • Collision: This pays for damage caused to your vehicle in an accident.

  • Comprehensive: This pays for external damage caused to your vehicle through weather events, vandalism, etc.

  • Uninsured/underinsured motorist: This pays for damages caused to you by another driver who either does not have car insurance or does not have sufficient insurance to cover the full cost of damages.

Contact the Clearwater Car Accident Law Firm of Roman Austin Personal Injury Lawyers for Help Today

For more information, please contact the legal team of Roman Austin Personal Injury Lawyers for a free initial consultation with a car accident lawyer in Clearwater. We have four convenient locations in Florida: Clearwater, New Port Richey, and Tampa.

We serve throughout Pinellas County, Hillsborough County, Pasco County, and its surrounding areas:

Roman Austin Personal Injury Lawyers – Clearwater Office
1811 N. Belcher Road, Suite I-1
Clearwater, FL 33765
(727) 787-2500

Roman Austin Personal Injury Lawyers – Congress Ave Office
2360 Congress Avenue
Clearwater, FL 33763
(727) 591-5610

Roman Austin Personal Injury Lawyers – Tampa Office
6601 Memorial Hwy Suite 202
Tampa, FL 33615
(813) 686-7588

Roman Austin Personal Injury Lawyers – New Port Richey Office
2515 Seven Springs Blvd.
New Port Richey, FL, 34655
(727) 815-8442