Personal Injury Law Firm located in Boynton Beach, serving South & Central Florida. Lead attorney is James G. Graver, Esq.
Full Coverage Car Insurance Checklist for Florida Drivers
Graver Law is a personal injury law firm in Boynton Beach, serving clients across South and Central Florida. Lead attorney James G. Graver, Esq., helps drivers understand exactly what their insurance covers before an accident occurs.
Most drivers do not review their insurance paperwork until a crash happens. However, a few minutes with your Declarations Page today can prevent serious financial exposure tomorrow. Below, we break down four critical areas to audit in your policy.
1. The 14-Day PIP Warning
Check for: Personal Injury Protection (PIP)
What it does: PIP covers 80% of medical bills and 60% of lost wages up to $10,000 in Florida’s no-fault system.
The Audit: If your deductible is high ($1,000+), you must pay that amount before insurance covers your ER visit.
James G. Graver’s Tip: Seek medical treatment within 14 days of an accident to unlock your PIP benefits. Prompt action protects both your health and your legal rights.
2. The Uninsured Motorist (UM) Safety Net
Check for: Uninsured/Underinsured Motorist Coverage (UM/UIM)
What it does: UM/UIM protects you if a driver with insufficient or no insurance causes your injury. About 1 in 4 Florida drivers has no coverage.
The Audit: Review the limits carefully. If your policy shows “Rejected” or “N/A,” you face significant exposure. We recommend carrying UM coverage equal to your Bodily Injury limits for maximum protection.
3. “Stacked” vs. “Non-Stacked” UM
Check for: The word “Stacked” next to UM coverage
What it does: Stacking combines coverage if you have multiple vehicles on one policy. For example, two cars with $25,000 UM each can give $50,000 in total protection.
The Audit: Stacking increases your coverage dramatically at a relatively low cost, especially for multi-vehicle households.
4. Bodily Injury (BI) Liability
Check for: Bodily Injury Liability (BI)
What it does: BI protects your personal assets if you injure someone else in an accident.
The Audit: Florida does not require all drivers to carry BI. If your limits are $10,000 or $25,000, consider whether these amounts are sufficient to protect your home and savings in a serious accident.
How to Use This Checklist
If you find gaps, rejected coverage, or inadequate limits in any of these areas, call your insurance agent today. You do not need to wait until your policy renews to strengthen your protection.
Still unsure about your coverage? Graver Law can review your policy and help you navigate the fine print. Understanding your rights now can prevent a financial disaster later.
Still have questions about your policy? The team at Graver Law is here to help you navigate the fine print. Understanding your rights today can prevent a financial disaster tomorrow.
📍 1880 N Congress Ave STE 212, Boynton Beach, FL 33426
📞 (561) 228-7820
