Miami Car Accident Lawyer, Jonathan Perazzo, takes a look at Liability Car Insurance Coverage and How It Works After an Accident.
How to file an insurance claim for compensation is an aspect of car accidents that occurs when a motorist carries insurance, and those involved consult an experienced personal injury attorney in Miami.
If you’ve been involved in a crash, one of the first questions you may hear is: “Who’s liable, and what insurance applies?” Understanding liability car insurance coverage is essential, especially in states like Florida and Georgia where accident claims often hinge on fault.
A Miami car accident lawyer will typically explain liability coverage as the portion of an auto insurance policy that pays for injuries and property damage you cause to others in an accident. It does not cover your own medical bills or vehicle repairs. Instead, it protects you financially if you’re found legally responsible.
What Does Liability Coverage Include?
Liability car insurance is usually split into two parts:
- Bodily Injury Liability (BI): Covers medical bills, lost wages, pain and suffering, and legal costs for people injured because of your actions.
- Property Damage Liability (PD): Pays for repairs or replacement of another person’s vehicle or damaged property.
In Florida, drivers must carry Property Damage Liability, but Bodily Injury coverage is not mandatory, making claims more complex after serious crashes. In Georgia, drivers must carry minimum Bodily Injury coverage, which plays a central role in injury claims.
Real-World Example: How Liability Insurance Works
Imagine a driver runs a red light in Miami and crashes into another vehicle. The injured driver suffers neck and back injuries and misses weeks of work.
- The at-fault driver’s bodily injury liability insurance may pay for the injured person’s medical treatment, rehabilitation, and lost income.
- Their property damage liability coverage would pay to repair or replace the damaged vehicle.
If the injuries are severe and the policy limits are too low, the injured party may need a Miami car accident lawyer to pursue additional compensation through a lawsuit or other insurance policies.
Why Liability Coverage Often Isn’t Enough
Many accident victims are shocked to learn that liability limits can be as low as $10,000–$25,000, which may not even cover emergency room care after a serious collision. This is why experienced attorneys at The Perazzo Law Firm analyze all available coverage, including uninsured/underinsured motorist policies and third-party liability sources.
Why Legal Guidance Matters
Insurance companies are not on your side. They look for ways to minimize payouts or shift blame. Whether your accident happened in Miami, Atlanta, or anywhere in Florida or Georgia, understanding how liability coverage applies can make or break your claim.
If you’ve been injured, speaking with a trusted Miami car accident lawyer can help ensure the responsible party and their insurer are held fully accountable.
