People ask for auto insurance as a form of security and safety. Many believe that auto insurance policies protect them against damages they may sustain as a result of a car accident. But collisions and road accidents aren’t the only things drivers should worry about. For one thing, auto theft and robbery are very real in Florida.
They can happen to anyone and at times when car owners least expect it. The question is, is the theft covered by your auto insurance? The answer depends on the type of insurance coverage you have.
Complete car insurance – If you’re looking for car theft protection, you should consider comprehensive car insurance. Compared to collision insurance, comprehensive coverage covers other losses that are not in the context of a collision. Apart from theft, this also includes damage caused by certain natural disasters such as floods and uprooted trees.
Although it appears to have more coverage than collision insurance, it does not include damage to other vehicles or your medical treatment. It also does not cover damage to your car caused by a collision, which means repairs and replacements are not included.
Auto collision insurance – Your car collision insurance comes into play when you are involved in car accidents like collisions with other vehicles, objects, road hazards and basically anything that has anything to do with your car hits something else. That said, the scope of auto collision insurance is limited compared to full coverage.
To answer the question, you may be able to recover your lost belongings and car theft under comprehensive auto insurance, not a collision auto insurance policy.
What about my medical treatment and injuries?
Your hospital bills and medical care fall under a different insurance coverage called Personal Injury Protection Insurance or PIP. Under Florida law, vehicle owners are required to have a PIP, which automatically covers hospital costs in the event of a car accident. The PIP ensures that drivers and passengers will receive medical attention immediately, regardless of who is at fault.
Is my family covered by my PIP?
Family members are covered by the car owner’s PIP. This means that whether or not you are with them at the time of the accident, they will use your PIP coverage. If you do not have a PIP, you will be covered by the PIP of a family member or friend who does.
Can I receive compensation from the offending party?
Be it medical expenses, damages, repairs and other losses, you can file a claim against the driver at fault which will be provided by his own car insurance policy or any insurance company applies. Depending on the negotiations, these could be resolved with the need to file a personal injury claim.
Get in touch with an auto accident attorney in Sarasota or a personal injury attorney in Bradenton when this happens. They can guide you on the next steps to take and make sure victory is within reach.
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