Many Florida drivers question the need for bodily injury coverage on their insurance as they try to find ways to reduce their costs. There are many reasons why you need the coverage, the most important of which is shielding you from the medical expenses of other people should you cause an accident.
You’re only required to carry $10,000 of coverage in Florida. That means if another driver or any passengers in either vehicle are injured in an accident, your insurance will pay for medical expenses up to that amount. If the cost to address those injuries exceeds $10,000 and you’re determined to have caused the accident, the injured parties can seek financial compensation from you for their injuries and that has the potential to cost thousands of dollars.
If you’ve been convicted of a DUI, the law requires you to purchase the coverage for a period of three years after your driver’s license is reinstated. Bodily injury coverage is also mandatory for three years if your license was suspended for accumulating an excessive number of points.
You may be required to have bodily liability insurance if you cause an accident resulting in injuries and/or property damage. If you’re discovered to be driving without a valid license, you could be required to carry the insurance for up to two years. The purpose of bodily liability insurance is to protect others from unsafe drivers.
Even if you’re normally a safe and conscientious driver, a fleeting moment of distracted driving for any reason can result in an accident that can cause a variety of injuries and have disastrous consequences. Without bodily liability, you could find yourself responsible for a significant amount of money in medical bills.
Medical costs continue to increase across the entire spectrum of healthcare. Bodily injury insurance coverage protects you in the event that you cause an accident and the cost of injuries exceeds the minimum $10,000 of basic coverage required of Florida motorists.
Whether you need a Divorce, are dealing with Custody or Child Support issues, or need representation in a Personal Injury matter, the Law Offices of Theodore H. Enfield can confidently assist you. To learn more about how we can help you or to discuss the facts of your case with our attorneys, call to schedule your free consultation.