Clearwater Personal Injury Attorney
For A Free Consultation 877-767-1032

What do you mean, I don’t have full coverage??

Once again, I have to call my new auto accident client who was injured in a rear ender a few weeks before, and I have to break the news to her that the man who ran the red light and crashed into her car had no car insurance. Not only that, my client, who told me that she had “full coverage” on her car at the initial conference, actually had only that motor vehicle insurance coverage required by Florida law; that is Personal Injury Protection (pays up to $10,000 for your medical bills and loss of wages regardless of fault) and Property Damage Coverage (Pays $10,000 for damage you cause to someone’s property as a result of your negligence). She did not have bodily injury liability coverage (“BI”) or uninsured/underinsured motorist coverage (“UM”). When I told her that she apparently did not purchase BI or UM, she was astonished that she did not have this coverage and said “I told my insurance agent that I want full coverage and he told me I had full coverage!” My poor client learned a painful lesson. She told me she was going to call her agent and add this coverage to her policy in the event of any future accident. Moral of the story: If you can afford the premium, it is crucial to have UM coverage on your auto policy to protect you if you are injured by someone that is uninsured or underinsured. There’s no better time than now to look at your auto policy and see what you purchased. Had my client secured this important insurance, there would have been coverage available to compensate her for the costly surgery she now needed as a result of the accident, as well as her pain, suffering, and loss of income.

Clearwater Office

Clearwater Office

fax: 727-736-3234
2274 FL-580
Clearwater, FL 33763
Hudson Office

Hudson Office

Hernando: 352-796-2151
fax: 727-736-3234
12000 U.S. Hwy 19
Hudson, FL 34667
Tampa Office

Tampa Office

(by appointment only)
fax: 727-736-3234
9301 W. Hillsborough Ave.
Tampa, FL 33615
The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

This web site is designed for general information only. The information presented at this site should not
be construed to be formal legal advice nor the formation of a lawyer/client relationship.

© 2015 - 2018 Roman & Roman, P.A. All rights reserved.

Contact Form Tab