You may have a lot of questions about what to do next after you've been in a car accident. Not the least of these concerns is how to get your car back in service quickly - or how to replace it if necessary. It is at this point that you realize how important it is to have the right insurance coverage, as well as to understand the terms of your policy. At The COTA Group, educating our clients is as essential as providing insurance policies.
Florida is one of ten states that have personal injury protection (no fault) auto insurance. The intention was to provide injured drivers up to $10,000 in immediate medical coverage in lieu of establishing fault through the court system. The goal was to reduce payment delay for injured drivers, as well as limit the utilization of the court system. In Florida, PIP coverage is required to be purchased by all owners of motor vehicles registered in this state. PIP coverage makes the individual responsible for their own injuries in an accident regardless of fault. The mandatory coverage includes:
While the above coverages are the only ones mandated in Florida, there are several coverage options available to protect you more comprehensively. Understanding the implications of accepting or waiving these coverages is an essential part of purchasing auto insurance, representing the real value of working with The Cota Group Insurance. We ask about the specific needs and expectations of every client, to ensure that the coverage we provide is tailored specifically to them.
After all, after the accident occurs, it is too late to find out you don't have the coverage you expect.
Optional Coverage Options
Often, the minimum required coverage is not enough to cover the actual medical and property damages sustained during an accident. In these circumstances, a motorist can file a claim with the other party's insurance company to cover the rest of the costs.
In addition to PDL and PIP coverage, your insurance agent will discuss the following coverage options.
At The Cota Group, we are committed to ensuring that you have both the coverage and knowledge you need to feel confident while on the road. Our team provides a depth of experience in creating custom policies from quality partners such as, Travelers, Nationwide, Mercury and Progressive.
No two motorists are alike, and you shouldn't be treated that way. Call us today and gain peace of mind knowing you are protected wherever you go.