Should you Accept the Insurance Company's First Offer?

Florida car accident lawyer explains the myth of full insurance coverage

Posted by Guy DiMartino | May 30, 2014 | 0 Comments

Florida car accident lawyer explains the myth of full insurance coverage!


The other day I was speaking to a guy injured in an accident and I asked him about this insurance coverage. He said…. “I got the platinum policy. I got full coverage!”

I said – you do.. great! I'll call your insurance company and check. He didn'thave full coverage. Do you have full insurance coverage on your car? Hang on a minute and I'll explain the common misunderstanding about “full coverage”.

If I had a buck for every client over the years that has come into my office and said they had “full coverage” on their car – I would be able to go on a nice vacation. Many folks mix up the state mandatory minimum of insurance with “full coverage”

First, let's talk about Florida state minimums. You need two types of insurance:

  • 10,000 in PIP – which is also called no fault insurance. It pays medical expenses whether or not you caused the crash; and 
  • 10,000 in property damage coverage

I hate to tell you, this is not full coverage. I had to tell the guy that I couldn't help him because he only had the state minimum and the other guy had nothing. The guy couldn't even get somebody to pay for his car because he didn't have collision coverage.

Remember the sole purpose of insurance is to protect you – so in order to protect yourself, you need coverage to fix your car, pay for medical expenses, and provide a means to pay compensate you if the other person is uninsured or underinsured

What does full coverage look like?

An insurance policy that has in additional to the state minimum: collision coverage if you have a late model vehicle, medical payments coverage, and more importantly uninsured and – in case you are injured by somebody else.

Chapter 13 of my book – a Guide to Florida car accident claims – discusses insurance coverage in much more detail. If you would like a free copy – just click the link and ask for it. You can get it here for free or buy it on Amazon.

About the Author

Guy DiMartino

I have loved helping people in need for almost three decades.  It has been my privilege to serve people as their pastor, chiropractor, and lawyer.  The current focus of my legal practice and life’s passion is helping the seriously injured receive complete compensation for their injuries. I am a Florida Board Certified Civil Trial Attorney. What that really means is that I am no stranger to the courtroom.  I have successfully tried and handled serious cases in state and federal courts.  My backgrounds in both law and chiropractic medicine have given me a unique perspective, extensive knowledge, and wide experience to serve those I represent. For years as a chiropractic physician, I treated my patients to alleviate their pain and suffering. Now as their lawyer, I fight to bring them financial compensation for their pain and suffering. During my years of service, I have handled many traumatic injury cases ranging from the traumatic amputation of a limb to brain and spinal cord injury.  I consider it an honor to serve you and your family. When a person entrusts me and I accept to represent them, I don’t take that relationship and responsibility lightly. My approach is that we work as a team. We are partners and our goal is the best outcome for you and your family with the highest level of communication throughout. I am always available by phone or email to discuss my potential representation of your injury case. I handle cases throughout Florida. Education: National University of Health Sciences – BS (1984), DC (1986) Valparaiso University School of Law – JD, summa cum laude (1999) Bar Admissions: Florida (2000), Indiana (1999), Illinois (2000, expired); US District Courts of Appeals (11th Circuit, 7th Circuit); United States District Courts: Southern and Middle Districts of Florida; Northern and Southern Districts of Indiana; Northern and Central Districts of Illinois; and District of Colorado. Certification:  Civil Trial, Florida Bar Guy DiMartino on Google+ – Circle Guy on Google+ Guy DiMartino on Google+

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