Are you sure your auto insurance policy is enough to cover you or your loved ones? Here's a guide.

Wondering if your policy would cover you in the event of a car accident? Here, at The Law Offices of Carolina Nunez, P.A., we get this question a lot.

Are you looking for the right insurance policy to protect yourself and your vehicle in the Sunshine State? Look no further, as we will break down the coverage options available. Make sure to double check your policy to make sure that you are fully covered in the unfortunate event of an auto accident.

For your benefit, we have created a guide on the different types of coverage you may hear about when it comes to Florida car insurance.

PIP Coverage

PIP covers the policyholder and passengers in their own vehicle for medical expenses and lost wages in case of an accident, regardless of fault. This coverage provides medical expenses and lost wages for you and your passengers in case of an accident, regardless of who is at fault. Here, at The Law Offices of Carolina Nunez, P.A., we fight to make sure that you get the maximum compensation for your losses. Our expert attorneys will take the case to court and litigate it in front of a judge and jury. Not all law firms have the ability to do that.

PDL Coverage

Along with PIP, Florida drivers are also required to have Property Damage Liability coverage, or PDL. PDL covers damages to someone else's property in the event of an at-fault accident. This coverage protects you in case you are at fault for an accident and cause damage to someone else's property.

Optional Coverage - Definitely Worth It!

Now that you are prepared to know the required basic types of coverage in Florida, your optional coverage can be used in the unfortunate event where the at-fault driver was not insured at the time of the accident, if your injuries/damages are more than the policy limits, or even in a situation where there has been a hit and run. This is why it is extremely important for you to add on optional coverage to have peace of mind.

BIL Coverage

Bodily Injury Liability coverage, or BIL, helps pay for medical expenses and damages for others if you cause an accident. This coverage is especially important if you have assets that could be at risk in case of a lawsuit. If you are a business owner or have substantial assets -- it is very important for you to consider adding this coverage in the event you are personally sued.

UM/UIM Coverage

Uninsured/Under-insured Motorist coverage, or UM/UIM, is also an optional coverage in Florida. This coverage protects you in case you are in an accident with a driver who doesn't have insurance or doesn't have enough insurance to cover the damages.

Getting help from a knowledgeable personal injury attorney as soon as possible after an injury or fatality accident is important. A lawyer may help you to recover more compensation than you might be able to recover on your own.

A car accident attorney at The Law Office of Carolina Nunez, P.A. may guide you throughout the process and work to help you to build the strongest case possible. We are dedicated to fighting for the rights of injured victims and the families of those who are killed in Winter Park, Daytona Beach, Stuart, Gainesville, and throughout the surrounding areas.

Contact The Law Office of Carolina Nunez, P.A. today online or call us at (407) 900- FIRM to schedule your free consultation so that you can learn more about your potential recovery rights.