WHAT TYPE OF AUTOMOBILE INSURANCE SHOULD I HAVE?
Many of my clients have questions about what type of Automobile Insurance Policy coverage they should have. I hope I can answer some of your questions about Uninsured Motorist, No Fault and Medical Payment coverage.
Everyone should carry Uninsured/Underinsured Motorist coverage ("UM"). Despite what insurance representatives may tell you, UM is one of the most important types of coverage you can have. If you are injured in a car accident by someone with no insurance the UM is there to compensate you. You should carry "stackable UM" on all vehicles you own. You should never sign any rejections or waivers of UM.
It is important to have no deductible or very little deductible on your No Fault Personal Injury Protection ("PIP") policy. PIP covers 80% of your medical bills and 60% of your lost wages. Most people with high deductibles cannot afford a deductible over $500.00 in an emergency. Do not let this happen to you.
Also, as supplement to PIP you should carry the Medical Payments provision ("Med Pay"). This is added financial protection in the event you or a loved one is injured in an accident. That is because Med Pay will cover the 20% of your medical bills that PIP does not pay. Remember, you cannot afford to be unprotected.
For further advice about your insurance needs please feel free to contact my office at (321)724-5600 or email mark@gagerlaw.com.
Attorney Mark Anthony Gager serves clients throughout the Brevard County, Florida area including the communities of Melbourne, West Melbourne, Melbourne Beach, Palm Bay, Indialantic, Indian Harbour Beach, Satellite Beach, Cocoa Beach, Cocoa, Rockledge, Cape Canaveral, Titusville, Sebastian, and Barefoot Bay, Florida.
Brevard County Criminal Defense & DUI/DWUI Attorney
Melbourne Injury Accident Lawyer
Mark Anthony Gager, P.A.
Gager Plaza
1124 South Wickham Road
West Melbourne, Florida 32904
Phone: (321)724-5600
Fax: (321) 723-1929
Free Initial Consultation.
I accept Mastercard and VISA
with payment plans available in some cases.
