Every automobile insurance policy has different range of coverage and each coverage is applicable only to particular things. It cannot be used for other things. For example if you are injured in a motor vehicle accident then the coverage, which is for property damage, cannot be utilized to pay for the bills regarding medications. The coverage that is related to medical bills is either “medpay” coverage or PIP.
According to Florida car insurance law, you should have minimal amount as PIP and PDL as well. If your coverage is not of these types, then your medical bills should be paid from other sources. The BIL is a special type of coverage, which is used to pay the person who makes a claim opposing you if he/she is hurt in the accident and you were responsible to some extent in causing that accident. Some insurance policies of automobile have such type of coverage while others have not. If you want this type of coverage then for this purpose you will have to buy it like some other coverage in the policy.
It is the fact that if one does not have this type of coverage and he injures someone, then another type of coverage included in your policy like medpay, property damage or personal injury protection cannot be used for paying the claim made by that person which is injured in the accident due to your negligence. In that case, there will be no insurance to protect you and the one who is injured, can go against you. Other coverage available is the uninsured motorist coverage. It is the type of coverage that will help you when injured in an auto-accident due to the fault of another person and have no automobile insurance policy. Now, if one does not have Uninsured Motorist coverage included in one’s policy and if one is injured by a person who does not have the bodily-injured liability, then you may have to face some difficulties.
The Uninsured Motorist coverage should be bought to have this as one’s automobile insurance policy. If one does not have the bodily injury liability policy, then he/she cannot buy the uninsured motorist coverage. Yet, one can buy the uninsured motorist coverage for the policy limits that are less in number than the policy limits which you have for the bodily injury liability. Some other types of coverage are also available which a policy may or may not have included fire or theft, property damage. All deal the circumstances like if a car o property is damaged or if a vehicle is stolen etc. One can consult the insurance agent if he/she is not clear about the policy that he/she has. To have a look at some companies based on Florida car insurance law, enter the zip of your area and check out the companies.
