What you should know

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Know your rights, and duties if involved in an auto accident.
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Terms you should know
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Terms you should know

Know your car insurance coverage! Many people think they have “full coverage.” However, you need to know what types of coverage are required by the State of Florida and what types of coverage are optional. Many drivers are not carrying the proper coverage to protect them or you when they are involved in a car accident. Check with your insurance agent to make sure you have “full coverage” to protect yourself and your family.

Required by the State of Florida

PIP-pays a percentage of your medical bills and lost wages, no matter who is at fault.
PD-pays for damage you cause to another’s property.

Optional Coverage

BI-pays for bodily injury damages you cause to another person. Not required but you need this coverage to protect yourself and your assets.
UM-pays for bodily injury damages in case you are injured by someone with no bodily injury coverage or limited coverage.
Comp/Collision-pays for damage to your car no matter who is at fault.

Other Terms

Affidavit - a written statement of facts confirmed by the oath of the party making it.
Alternative Dispute Resolution - settling a dispute without a full formal trial. Methods include mediation, conciliation, arbitration and settlement, among others.
Cause of Action - fact or facts that give someone the right to seek a remedy through the court.
Complaint or Petition - a lawsuit that is filed in court known as a complaint or petition. The person who brings the action is the plaintiff (you). The person against whom the action is brought is the defendant. The complaint or petition is a statement of facts alleging the names of the parties and alleging why the conduct of the defendant entitles the plaintiff to recover damages.
Damages - money payment that is recovered for an injury or loss caused by an unlawful act, omission or negligence of another.
Deposition - the testimony of a witness taken under oath but not in a courtroom.
Expert - a witness who may give an opinion in court based on the particular education, training and/or experience of that witness.
Hearing - a proceeding usually without a jury
Judgment - official decision of a court resolving the issues in a legal action.
Statute of Limitations - a set amount of time beginning with the date of the incident in which a person must bring a claim or be barred forever.

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