Understanding Insurance Coverage

Understanding Insurance Coverage

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Protect Yourself: Automotive Insurance Coverage Limits

For over 36 years, I have represented people who have been injured or lost a loved one incrashes caused by drunken and careless drivers. The crash itself is devastating but many times there is nothing I can do to help because there is either no insurance or not enough insurance to fully compensate my clients.

Purchase enough insurance to protect you and your family in the event of an unfortunate accident. Do not wait until you are in an accident to find out that you do not have enough insurance.

Recommended Minimums

  • Bodily injury (BI) liability coverage: $100,000 per person / $300,000 per accident o
    This protects you and your assets, should you be involved in an accident and
    hurt someone else.
  • Personal Injury Protection (PIP) coverage: $10,000 with no deductible o PIP pays 80
    percent of your medical bills and 60 percent of your lost wages from an accident
    EVEN IF YOU CAUSED THE ACCIDENT. In most cases, this is the only insurance
    in Florida that provides short-term disability benefits to drivers and passengers
    who are injured and miss work as a result of the accident-related injuries.
  • Medical payments (Med Pay) coverage: $2,000 minimum or $10,000 in Med Pay o
    This is a supplement you can purchase on your policy that will pay 20 percent of
    your medical bills that PIP does not so you don’t have out-of-pocket expenses.
  •  Uninsured Motorists (UM) coverage: $100,000 per person / $300,000 per accident o
    UM coverage is insurance that pays you if someone injures you who has no insurance
    or has insufficient insurance to cover the full Continued on page 2
    Issue #: [Date] Dolor Sit Amet
    extent of your damages, including wages, medical bills and injuries. Florida does
    not mandate that drivers carry liability insurance and many do not. The only way
    to truly protect yourself and your family is to purchase your own coverage – so
    no matter what happens, you are fully protected.
  • Property Damage (PD), Collision and Rental Car coverage: $50,000 o PD
    coverage pays the damage you might cause to someone else’s car or property.
    Collision coverage pays to repair or replace your car, and rental car coverage
    pays for a rental car while your car is being repaired or replaced, if your car is
    not drivable.

Get The Robertson Report –
Understanding Insurance Coverage (PDF)

What Clients Say

I hired Mr. Robertson to help me after I had an accident. I had never been in an accident and was totally confused by all the issues with insurance and doctors and who would pay my medical bills. He did a great job for me and was always available to answer all my questions. It made me feel protected having him on my side.  He secured a large settlement for me that paid all my bills and compensated me for the injuries I suffered.  I would highly recommend him to anyone who needs a good aggressive attorney who really cares about his clients.

Stella Salgado  

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I offer free consultations to anyone who has a question arising from a wrongful death of a loved one . It would be my honor to help anyone who is thrust into this situation due to the carelessness of another .   

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“ Bill Robertson is here for you. When you call…you will speak with BILL ROBERTSON. ”