Auto Insurance Information brought to you by your South Florida Auto Accident Law Firm
Weinstein Law – Your Local Car Accident and Insurance Litigation Attorneys – Coral Springs, Boca Raton and surrounding areas.
Auto insurance policies can be complex, and quite often there is confusion about what is and what is not covered under a typical auto insurance policy. Below are several auto insurance policy myths and information on what is typically covered.
“A friend borrowed my car and was in an auto accident, injuring another person. His auto insurance will cover the accident and damages, correct?
Unfortunately, the fact is that since it was your automobile, it’s your responsibility. In insurance terminology, “the accident follows the car, not the driver.” This accident will be recorded on your insurance record, and your auto insurance premiums could go up.
When I rent an automobile, I should purchase the insurance offered by the rental car company, correct?
The answer depends on your personal insurance policy. If you have collision and comprehensive coverage, and rental vehicles are included in that coverage, you can decline the rental agency’s daily insurance. Check your policy.
I live in Florida and my car was damaged in a hurricane. I’m covered, right?
That damage would only be covered if your auto insurance policy includes comprehensive coverage (which covers damages not caused by an auto accident).
I just bought a new car, and my premium is up-to-date, but before I changed the policy to reflect the new car, I got in an accident. Am I covered?
Most policies have something called a “Newly Acquired Vehicle” clause which allows you up to 30 days to report the new car to your insurer. During that time, the vehicle IS covered at your current policy limits. But you should check your policy.
I am trying to keep my auto insurance policy costs down. I don’t really need uninsured motorist coverage, do I?
On the contrary, it’s in your best interest to have this coverage. It’s estimated that 1 in 4 Florida drivers are uninsured or underinsured. If you are hit by an uninsured motorist, most likely, you will not receive adequate compensation to pay for your medical bills, lost wages, pain and suffering, and loss of capacity to enjoy life.
No-fault insurance means, “It’s not my fault.”
This is incorrect. No-fault insurance means that your insurance company pays for your medical expenses and lost wages (up to your policy limits) regardless of who's at fault. Under Florida’s no-fault insurance, drivers can be held financially responsible for the cost of injuries they cause in certain circumstances.
While the above information is generally true, the basic rule of thumb in regard to auto insurance is to know your policy so there are no surprises when you are injured in an accident or cause injury or vehicle damage to someone else. Thoroughly reviewing your policy is the only way to truly know when you are covered.
If you need legal advice regarding a car accident, truck or motorcycle accident, or need help understanding your auto insurance policy, please do not hesitate to contact us or call us at (954) 757-7500 at any time.
Our auto accident law firm specializes in these situations, and we will answer your questions at no cost to you. We proudly serve all drivers in South Florida including Coral Springs, Boca Raton and surrounding areas.
News & Announcements
Andrew Weinstein Named to the 2017 Florida Super Lawyers List
October 5, 2017
Coral Springs, FL. – The Weinstein Law Firm today announced that Andrew Weinstein has been named to the Florida Super Lawyers list as one of the top attorneys in Florida for 2017. Each year, no more than five percent of the lawyers in the state are selected by the research team at Super Lawyers to receive this honor.
Travis L. Stock Named to the Florida Super Lawyers 2017 Rising Stars List
October 4, 2017
Coral Springs, FL. – The Weinstein Law Firm today announced that Travis Stock has been named to the Florida Super Lawyers Rising Stars List for 2017. Each year, no more than 2.5 percent of the lawyers in the state are selected by the research team at Super Lawyers to receive this honor for demonstrated excellence in the practice of law.
Hurricane Irma: The Damage is Done, Now What? You're Already A Victim of the Storm, Don't become a victim of the process.
September 15, 2017
Whether a resident of Florida or not, all eyes were on Hurricane Irma as the strongest storm on record in the Atlantic set its sights on the sunshine state. Although there was uncertainty as to whether it would make landfall in Monroe County, Miami-Dade County, Broward County, Palm Beach County, or Collier County, there was never a question that the wrath of this record-breaking hurricane would be felt statewide. On September 10, 2017, Hurricane Irma began its relentless assault on Florida when it made landfall in Cudjoe Key in Monroe County. For the next couple of days, Hurricane Irma continued to cause catastrophic damage throughout Florida including Miami-Dade County, Broward County, Palm Beach County, and Collier County. Despite Florida escaping the “worst-case scenario,” Hurricane Irma damaged homes and property leaving many residents, homeowners, business owners, and tenants with a big mess and a long road to recovery.
The Weinstein Law Firm Expands with Hire of New Attorney
August 15, 2017
Coral Springs, FL – The Weinstein Law Firm is proud to announce the addition of its newest attorney, Ashley Rosenbaum. Ms. Rosenbaum will focus on personal injury claims and cases, and brings a broad base of experience and skills in these areas.
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