Can You Get In Trouble For Not Having Car Insurance?

Can You Get In Trouble For Not Having Car Insurance?
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Can you get in trouble for not having car insurance?

Why did my auto insurance costs go up even when I didn’t file a claim? Car Auto Insurance

Why did my auto insurance costs go up even when I didn’t file a claim? Car Auto Insurance
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Why did my auto insurance costs go up even when I didn’t file a claim? Car Auto Insurance

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How much is car insurance per month?
Average premiums and deductibles nationwide unsubsidized shoppers: Premiums for individual coverage averaged $321 per month while premiums for family plans averaged $833 per month. The average annual deductible for individual plans was $4,358 and the average deductible for family plans was $7,983.Oct 10, 2016
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Auto Insurance
Auto insurance is required for drivers in most states and can help protect you financially in the case of an accident. It can also cover the costs of your own injuries or property damage.

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Homeowners Insurance
It takes years of saving to buy the right home, so it’s important not to lose that investment because of a fire or other disaster. Homeowners insurance can cover your property, belongings and liability.

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Life insurance helps your family and financial dependents when you pass away. Depending on your needs, policies can offer income replacement, money to pay off a mortgage, or even funds for your child’s education.

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While renters may not face all of the risks of homeownership, they can still suffer losses from stolen or damaged property. Renters insurance helps protect your belongings and residence.

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Whether you’re an occasional-rider or use your motorcycle daily, motorcycle insurance helps to protect both your bike as well as your liability while on the road.

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What Is Auto Liability Coverage? | Allstate Insurance

What Is Auto Liability Coverage? | Allstate Insurance
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Auto liability coverage helps pay for another person’s expenses if you cause a car accident. There are two types of liability coverage: bodily injury liability and property damage liability. Bodily injury helps cover the other driver’s medical bills after an accident you cause. Property damage liability helps cover repairs to another person’s property if you damage it with your vehicle.

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What Drivers Need to Know About Florida Auto Insurance Coverage

What Drivers Need to Know About Florida Auto Insurance Coverage
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Florida Auto Accident Attorney Mariano Garcia of Searcy Denney Discusses Auto Insurance Policies and Myths Regarding Full Coverage

Today we are going to talk about something all drivers are required to have but it may be one of the most misunderstood purchases they make: auto insurance.

With us today is Mariano Garcia, from the law firm of Searcy Denney. Mariano, would you say consumers generally don’t have a good understanding about the auto insurance coverage they need?

Unfortunately, in my experience, they don’t. Seeing folks after they’ve been involved in a motor vehicle collision of some type, one of the things we evaluate is what types of coverages do they have. When we begin to ask questions, sometimes we quickly find out that folks really don’t understand what are all of the available coverages that come into play.

So, what is it that they need to understand?

Well, they need to understand that when they’re buying insurance, they can’t just focus on buying the cheapest policy available. They can’t focus on just the price. They need to learn about the different coverages that are available above and beyond the very minimum coverages that the state of Florida requires.

So, what does the state of Florida require?

The state of Florida requires very minimum insurance and they consist of two coverage. Coverage one is Property Damage Coverage. That’s going to cover you or me if we cause an accident and cause property damage to someone else. If we get sued, we have coverage that will protect us if we cause damage to someone else’s property.

The second coverage the state requires is Personal Injury Protection (PIP) and that’s going to provide medical benefits to us; it will allow us to get into a hospital if we require emergency medical care, or, it will also provide us with lost wage benefits. But, that’s only to protect us, not someone else that might be injured in the accident.

So what other factors should they consider?

They need to understand that there are other coverages available, such as Bodily Injury Coverage. If you cause an accident and hurt somebody, you need coverage that’s going to protect you for the injuries that you caused to another individual. Bodily Injury Coverage will provide that.

If your vehicle is damaged in a collision, you need to have Collision Coverage that will cover repairs to your car and maybe even provide a rental car for you while your vehicle is being repaired.

And what other types of coverage is available, and why would you consider it?

Another important coverage folks should consider is Uninsured or Under-Insured Motorist Coverage. If we’re involved in an accident and are hurt, that coverage will provide benefits to us if the individual who caused the collision and caused our injuries either doesn’t have sufficient coverage or no coverage at all.

I’ve heard of this thing called Stacking Coverage. What exactly does that mean?

Stacking Coverage is another variable of coverage that may come into play if you have multiple vehicles in your household. For an additional cost, you may be able to essentially stack, or add up all the coverage available to each of your vehicles in order to maximize the amount of coverage available to you.

I’ve heard people say they’re not worried about having an accident because they have Full Coverage Insurance. Why might this be a false sense of security and what exactly does Full Coverage mean?

I hear the term “Full Coverage” a lot when I’m talking to clients and usually when they’re involved in an accident and we ask them, “Well, what kind of insurance do you have? What coverages do you have available to you?” They say, “Well, I’m not worried, I have Full Coverage.”

And that’s why I say it’s not until they have a copy of their policy and they look at it that they fully understand that Full Coverage is really an urban myth. Full Coverage may turn out to be just the minimum amount of coverage that the state of Florida requires.

So what advice do you have for consumers who are looking to purchase auto insurance?

Have a frank discussion with your insurance agent so they understand your personal situation and can tailor a policy that is designed to protect you in the unfortunate event of a collision.

Check out Searcy Denney’s Automobile Insurance Checklist ( for a guide on buying automobile insurance.

To discuss your rights after a car collision, contact a Florida auto accident attorney from Searcy Denney at

Searcy Denney Scarola Barnhart & Shipley, PA

West Palm Beach Office

2139 Palm Beach Lakes Blvd.
West Palm Beach, FL 33409-6601
Toll-free: (800) 780-8607
Phone: (561) 686-6300
En Espanol: (800) 220-7006

Tallahassee Office

The Towle House, 517 N. Calhoun St.
Tallahassee, FL 32301-1231
Toll-free: (888) 549-7011
Phone: (850) 224-7600
En Espanol: (800) 220-7006

How to make a car insurance claim – Which? top tips

How to make a car insurance claim - Which? top tips
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Find out all you need to know about claiming on your car insurance, including what the process involves, and which insurers are the best (and worst) at handling claims with our four top tips.

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Was your Car Insurance Claim Denied? A Lawyer can Help you!

Was your Car Insurance Claim Denied? A Lawyer can Help you!
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If you’ve been involved in a car accident it’s very likely that you will want to make a claim on your car insurance. However, there are occasions when insurance companies deny a claim without explaining why. The good news is that if your claim has been denied you can hire a lawyer to help you.

Lawyers can Speak the Insurance Adjuster’s Language

An insurance adjuster may deny a claim due to the way it has been reported but they can also deny it for a wide variety of other reasons too. Many claims are denied without claimants appealing their decision but there are times when a lawyer can help reverse that decision, or simply help you understand why your claim was denied.

Insurance adjusters tend to deal with many claims at any one time, and because of this, your claim will not be considered very important to them. However, adjusters absolutely hate car accident lawsuits which means it’s highly unlikely they will ignore any contact from a lawyer. A car accident lawyer who is worth their weight in gold will know exactly what to say to get an insurance adjuster’s attention. Occasionally, just the threat of a lawsuit will trigger a review of your case and reconsideration of their decision.
If you have had a car accident you’re likely to be feeling emotional about it. Due to the emotions surrounding the accident, you may feel the need to argue your case, but arguments can hurt your claims process. This is where a lawyer can help as they can explain why your claim should not have been denied. A lawyer is usually able to do this without upsetting or offending the claims adjuster as they can explain the situation without emotions getting in the way.

Knowing State Laws
A car accident lawyer will know how to look at your claim and make a decision as to whether your case should have been denied. This is because they will know the state laws, and they aren’t afraid to tell the claims adjuster that they do. Adjusters can tell claimants that they case has absolutely no merit, and make them feel as if they were wrong to submit a claim in the first place.
If a car accident lawyer finds that there was no reason to deny your claim they may tell the adjuster how much money they will need to pay out if your case is taken to court. A lawyer can also use the state’s law to back them up while proving that the denial was no appropriate. This action in itself can cause the insurance adjuster to reverse the decision they made about your claim.
If the Decision is not Reversed

If the decision to deny your claim is not reversed all is not lost. A lawyer may help you file a lawsuit against the other drive and/or the insurance company. If you live in a no-fault insurance state your lawyer may help you file a first-party lawsuit against your insurance company if they are the ones who are denying your claim.

A lawyer will be taken much more seriously by an insurance adjuster, so you may want to get in touch with a lawyer as soon as you can as you may get the result you need.

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Had a Car Accident? Tell your Insurance Company

Had a Car Accident? Tell your Insurance Company
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If you are involved in a car accident it is vital that you tell your insurance company about it. If you fail to let your insurance company know you will be violating one of the requirements of your insurance policy. This may mean that your insurance company may void your policy, meaning you’ll have no coverage at all.
Tell your insurance company about your accident as soon as you can, and within 48 hours of the accident. Talk to a claims representative and give them a statement of what occurred if you are requested to do so.
Regardless of who caused the car accident, you may already have a no-fault claim under your policy. Some people may also be known as a medical payment claim or a PIP claim. Some policyholders are also covered for collision damages too. Regardless of which of these claims you have, you should get in touch with your insurance company as soon as you can.

Speaking to Another Person’s Insurance Company
When speaking to another person’s insurance company you will need to be careful about what you say. If you are asked to give a statement about the accident, don’t. Simply tell the representative that you’re not ready to do this, but you will give a statement at some point and as soon as you fully understand the accident. If you have a lawyer, now would be a good time to refer the representative to them.

If you have sustained an injury due to being involved in a car accident that was another driver’s fault, please speak to a personal injury lawyer because you may have a personal injury claim.

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No-Fault Car Insurance States and ‘Serious Injury’ Thresholds

No-Fault Car Insurance States and ‘Serious Injury’ Thresholds
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In some no-fault states drivers are unable to file a liability claim unless the injuries you sustained in the accident are thought to be serious under the state’s law.

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If you have been injured in a car accident in one of the states that have a no-fault car insurance rule you can only make a claim if your injuries are serious and meet specific thresholds.
Some parts of the United States have certain thresholds that mean you can only claim for medical expenses if they are more than a specific dollar amount. Other parts of the country have an injury threshold meaning that your injuries need to be severe enough for you to make a claim. Some states use both thresholds which allow an injured person to make a claim regardless of which threshold has been met.

How do Serious Injury Thresholds Work?
When you have been involved in a car accident and the definition that your state has set out has been met you can make a no-fault insurance claim. You can make this claim under personal injury protection coverage, but you’re not just limited to this. You can also make a third-party claim using the insurance company that the at-fault driver is with. You may also want to make a personal injury lawsuit against the driver too. In cases such as these you can make a claim for your non-economic damages such as pain and suffering. Non-economic claims are not available in a no-fault claim.

Serious Injury Thresholds in Different States

District of Columbia:
Disfigurement or substantial (Permanent) scarring, impairment, or total impairment lasting 6 months.
Florida: Permanent scarring/disfigurement and permanent injury
Hawaii: Permanent and substantial loss or use of a body part, permanent and substantial loss or use of a function or serious and permanent disfigurement that results in emotional or mental distress.
Kansas: Permanent loss of body function, permanent fracture of compound or weight-bearing bone, permanent disfigurement, permanent displaced fracture of a bone, permanent injuries.
Kentucky: Permanent loss of body function, permanent fracture of compound or weight-bearing bone, permanent disfigurement, permanent displaced fracture of a bone, permanent injuries.
Michigan: Serious and permanent disfigurement, impairment of a bodily function.
Minnesota: Permanent injury or disfigurement, disability for 60 days.
New Jersey: Significant disfigurement or scarring, dismemberment, loss of fetus, displaced fractures, permanent injury.
New York: Bone fracture, permanent limitation of use of an organ, significant disfigurement, significant limitation of a body system or function, substantial full disability for 90 days.
North Dakota: Disability for more than 60 days, permanent and serious disfigurement
Pennsylvania: Serious injury.
Utah: Permanent disability, bone fracture, permanent disfigurement.

Explanations of Categories of Injuries

Bone fracture: The fracture or probable fracture of a bone as shown in a doctor’s statement and an x-ray, showing that it was caused by the accident. Some states require that the fractured bone is a weight-bearing one. Some states define serious injury as the compound, splintered, crushed, compressed, or displaced fracture of any bone. Some states merely look for a fracture in a vertebrae or bone and full breaks.
Permanent injury: Some states allow the victim of a permanent injury to make a liability claim. They can do this even if the injury is not severe.
Disabling injury: Some states use the term ‘Disabling’ instead of ‘Permanent’ injuries. However in states such as these it is imperative that your medical records show you have suffered some sort of loss of the function of some part of your body. You do not have to show that you have suffered from a total loss. The loss of function in some states has to be significant wheres in other states the loss does not need to be. Some rules require that a disability lasts more than 60 days, whereas some rules state that the injury has to be permanent whilst also being disabling.

Negotiating the Threshold
The threshold can be negotiated due to the occasional vague definition of categories of injury and the interpretation of medical evidence. This may therefore mean that you don’t need to have a substantial disability, for example, in order to make a liability claim. If you would like to negotiate the threshold please contact the at-fault driver’s insurance company.
If you have sustained an injury due to being involved in a car accident that was another driver’s fault, please speak to a personal injury lawyer because you may have a personal injury claim.

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Insurance Coverage and Accidents and Damage to a Rental Car

Insurance Coverage and Accidents and Damage to a Rental Car
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When renting a car it’s likely that you will be driving a vehicle that isn’t very familiar to you. This may mean that you’ll need to concentrate even more than usual as the layout of the car may be different to a car that you’re used to. If you’re not familiar with the car you’re driving you may be more susceptible to having a car accident.
Being involved in an accident when you’re driving a rental car should be treated exactly the same as an accident that occurs when driving your own car. However, there could be a few complications when dealing with the insurance side of things.
Let’s take a look at some of the issues that you may have to deal with after an accident that involves a rental car:
Reporting the Car Accident
A car accident will need to be reported to the police if someone has been injured. Every driver’s insurance company will also need to be made aware of the accident. When you’re involved in an accident whilst driving a rental vehicle you will need to file extra reports to the rental company.
The rental company is likely to provide you with details about how you should report an accident. You are likely to have received this information when you rented the vehicle. If you’re unsure about how you should report the accident you should contact the rental company and ask them. You must do what you can to follow all of the terms of the rental agreement after your accident as failure to follow them may mean you’re liable for some or all of the damages. If you have been injured in a car accident that was another driver’s fault please speak with a personal injury lawyer.

Your Auto Insurance and Rental Cars
Before you rent a car you will need to make sure your personal auto insurance covers you should you be involved in an accident whilst driving the rental car. Some rental car companies may insist that you buy additional auto insurance before you rent a vehicle from them. However, it is up to you whether you buy this additional insurance as if you already have sufficient coverage you really don’t need to purchase additional insurance.

You may still be covered by your auto insurance even if you’re driving a rental car overseas. You should check that you are covered before you go on vacation so that you know whether you are properly prepared.

Rental Company’s Collision Coverage
It’s likely that your auto insurance policy covers rental cars and any subsequent accident you have whilst driving one. However, it’s important that you check to see if your policy covers rental cars before you hit the road. The good news is that if you do need to buy auto insurance most rental companies offer collision coverage. This means you are likely to be covered whether you or another driver was at fault. Before you sign on the dotted line, please make sure that any auto insurance policy that you’re about to pay for does not offer exactly the same as your personal auto insurance.

If you Paid for your Rental Car with a Credit Card
If you paid for your rental car using a credit card it would be worth checking to see if your provider offers insurance coverage. It’s likely that the credit card provider will offer some type of insurance or protection, even if you’ve only used the card to reserve the car.

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Mercury Insurance “Automat”

Mercury Insurance "Automat"
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Who said there are no guarantees in life? Mercury guarantees repairs for as long as you own the vehicle when repairs are completed at a Mercury authorized direct-repair facility.

Plus, our customers often save hundreds, or even thousands of dollars when they switch to Mercury.

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Mercury Insurance agents everywhere are saving people hundreds of dollars and are also there to help save the day when accidents happen.

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Mercury has been saving drivers money on their insurance for more than 50 years. In fact, we’ve made it our mission to provide our customers with the lowest rates possible while also delivering first class service. But don’t just take our word for it, get a quote and speak with one of our special agents. You’ll be glad you to took a few minutes to see what Mercury can do for you.

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