Coverage like bodily injury (BI) liability insurance or uninsured motorist (UM)/underinsured motorist (UIM) is not required by Florida law but these are two types of voluntary coverage that should be purchased. - Auto Accident Attorney Sean M. Cleary
Miami, FL (PRWEB) November 28, 2014
The month of December has the highest occurrence for car accidents. With over 20,000 car accidents occurring in Florida every year in December, attorney Sean M. Cleary wants to advise on the importance of auto insurance policies.
"Optional auto insurance coverage is something you think twice before deciding to drop. Auto insurance is not cheap I know, actually Florida is among the states, where due to the no-fault law the costs are even higher, but what I see is that the insurance required by law proves to be insufficient in far too many car accident cases I work on,” says Sean M. Cleary.
"Car insurance in Florida is required by state law and carries a minimum of ten thousand ($10,000.00) dollars in personal injury protection for auto insured motorists. Medical bills and expenses add up fast after a car accident, optional policies such as Med Pay can ensure injury costs are covered. My personal advice is not to ditch Med Pay just to save a few bucks each month. Med Pay covers your medical bills if you are injured driving your own car, if you are a passenger or if you are hit by a vehicle as a pedestrian or bicyclist,” continued attorney Sean M. Cleary.
“Coverage like bodily injury (BI) liability insurance or uninsured motorist (UM)/under-insured motorist (UIM) is not required by Florida law but these are two types of voluntary coverage that should however be purchased. These can ensure compensation for medical expenses, wage loss, and non-economic damages, such as pain and suffering, not covered by your no-fault coverage," he added.
To sum it up voluntary insurance might seem unnecessary while signing up for auto insurance but will offer protection against other drivers and vehicle owners that choose not to carry BI coverage, or the ones that carry insufficient amounts on their auto insurance coverage.
About The Law Offices of Sean M. Cleary
The Law Offices of Sean M. Cleary was established in 2005 and has been dealing with numerous trial litigations. Auto accident lawyer Sean M. Cleary is committed to provide high quality legal representation for his clients both in state and federal court. If you or your loved one suffered injuries while in a car accident please contact The Law Offices of Sean M. Cleary by calling 305.416.9805.