Articles Tagged with Cape Coral injury lawyers

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woman driving a car in Florida auto insurance breakdown from Cape Coral injury lawyersCar insurance is more expensive in Florida than any other state. Insurance Business Magazine reports the average annual auto insurance premium in Florida is $2,560 – which is 52% (or nearly $1,000) higher than the national average. (And that is based on rates for a hypothetical 40-year-old male driver with a good driving record. Rates can get much higher for teens or those with a poor driving record.) Such significant costs have some motorists wondering whether there’s certain coverage they can forego. Here, our Southwest Florida injury lawyers provide a Florida auto insurance breakdown from a civil claims perspective.

Why is Car Insurance So Much Pricier in Florida?

Although one could reasonably argue that insurance companies have never needed a good reason to impose sky-high rates on customers, there are a few factors that result in Florida car insurance being so much higher than the national average.

A couple of these reasons include:

  • Florida is prone to more extreme weather. Hurricanes, tropical storms, flooding, tornadoes, lightning, brush fires, heavy fog – all of these things can increase the risk of vehicles being damaged, either directly or in a related crash.
  • Florida’s high number of uninsured drivers. In Florida, 1 in 5 drivers does not have the required auto insurance. This makes the claims process tough, and lawsuits tend to be more likely. With two insured drivers, a lawsuit may be wholly unnecessary, as Cape Coral Car Accident lawyers can often simply negotiate fair terms directly with insurers. But if the other party had no insurance, you’re usually left with pursuing a claim against that individual personally, filing third-party liability claims, or seeking uninsured/underinsured motorist (UM/UIM) claims from your own insurer. And if you’re the driver who is not insured, it doesn’t mean you can’t recover damages from the other at-fault party, but you will lose out on the claims for personal injury protection (PIP) as well as UM/UIM.

You might also expect to pay more if you:

  • Have poor credit. Florida does not prohibit use of this factor in premium rates the way some other states do.
  • Are male. Florida does not prohibit the use of this factor in premium rates the way some other states do.
  • Live in an urban area. Cities are packed with tight streets, loads of traffic, and a higher concentration of pedestrians, bicyclists, and large vehicles. The risk of vehicle damage is much higher.
  • Live in an area with high crime rates. The heightened risk of theft and vandalism will hike up rates.
  • Have an expensive or highly desirable car. Vehicles that are more costly to repair or particularly prone to theft will be pricier to insure.

What Coverage is Required for Florida Drivers

As longtime injury lawyers in Southwest Florida, we’ve seen a lot of crash victims put at a significant disadvantage because of lacking car insurance coverage. While it’s true that this is a no-fault state for crash claims, meaning your own insurer will cover damages regardless of fault, you must keep in mind that this coverage (PIP) only goes so far – $10,000, to be exact. And even then, it only covers PART of your losses – 80 percent of medical bills and 60 percent of lost wages.

If you’re seriously hurt and the other driver was at-fault, you’ll need to step outside the no-fault system to pursue a claim against that driver, your Underinsured Motorist Carrier (or other liable third parties).

But let’s start with what is required minimum car insurance coverage for registered vehicles Florida: Continue reading

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Cape Coral injury lawyers summer driving risks

Cape Coral injury lawyers talk summer driving risks

People tend to think of winter as the most dangerous time for drivers. To be sure, there are unique, cold-weather road hazards like ice, snow, and an increased likelihood of engine trouble. That’s not so much of an issue here in Lee, Collier, and Charlotte Counties Florida. But summertime driving dangers actually lead to more crashes – and Cape Coral injury lawyers know South Florida isn’t immune to those like we are those wintry road risks.

A number of highway hazards are heightened from late May to early September.

According to the National Highway Traffic Safety Administration (NHTSA), August is one of the deadliest months for Florida drivers. Cape Coral injury lawyers know it’s not a coincidence this is also around the same time there’s an uptick in heavy rains/flooding, increased traffic, higher temperatures (causing heat-impacted vehicle damage), holiday parties/vacations, and no school.

The “Summer Scaries” on SWFL Roads

Maintaining safety on the roads means anticipating what hazards you are likely to encounter. For South Florida in the summertime, those include: Continue reading

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