Car Insurance is fundamental when operating a motor vehicle, just like having a driver’s license. But what type of policy you carry determines what, if any, it covers in the event of an accident.
Car accident lawyer in Miami, Jonathan Perazzo, explains what the most common/necessary policies cover.
After a crash, many drivers ask the same question: What does car insurance actually cover? The answer depends on the type of coverage in the policy, the state where the accident happened, and who was at fault. A car accident lawyer can help identify what applies in your specific situation.
Common Types of Car Insurance Coverage
Liability Insurance
This coverage pays for injuries and property damage you cause to others if you are at fault in an accident. It does not cover your own medical bills or vehicle repairs. Liability insurance is often the main source of compensation for injured victims.
Personal Injury Protection (PIP)
Florida is a no-fault state, which means most drivers carry PIP coverage. PIP typically pays:
- A portion of medical expenses
- Lost wages
- Certain out-of-pocket costs
PIP applies regardless of who caused the accident, but it has strict limits and requirements.
Collision Coverage
Collision insurance pays to repair or replace your vehicle after a crash, even if you were at fault.
Comprehensive Coverage
This covers non-collision damage, such as theft, vandalism, fire, or storm damage.
Uninsured / Underinsured Motorist Coverage (UM/UIM)
If you’re hit by a driver with little or no insurance, UM/UIM coverage may pay for:
- Medical bills
- Pain and suffering
- Lost income
A car accident lawyer often relies on this coverage when the at-fault driver lacks sufficient insurance.
Real-World Example
You’re rear-ended in Miami and suffer back injuries:
- Your PIP may cover initial medical care
- The at-fault driver’s liability insurance may cover additional damages
- If the driver is uninsured, your UM coverage may apply
If insurance limits are too low, legal action may be necessary.
Why Understanding Coverage Matters
Insurance companies may delay, deny, or minimize claims. Knowing what your policy covers, and what it doesn’t, can make a major difference in your recovery.
At The Perazzo Law Firm, experienced attorneys help accident victims understand their coverage and pursue full compensation through an insurance claim.
If you’ve been injured, speaking with a trusted car accident lawyer in Miami can help protect your rights and your financial future.
