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OVERVIEW: Motor vehicle insurance is mandatory in the State of Florida and requires that certain limits of insurance be in place upon vehicles. The failure to maintain continuous coverage upon a vehicle will normally result in the revocation of the registration for the vehicle and/or suspension of driving privileges. If your insurance policy was wrongfully canceled or if insurance coverage for an automobile accident claim has been denied, you should seek the advice and counsel of a lawyer immediately.
The liability portion of motor vehicle insurance (i.e. 10/20, 100/200) covers bodily injury and/or property damages to other people or vehicles. Personal injury protection (PIP) is no fault insurance that ensures that a portion of all medical bills are paid to those injured in an accident regardless of fault. Comprehensive and collision coverage is optional and it protects your own vehicle from damage, theft, and vandalism. Uninsured motorist coverage is also optional and that insurance provides coverage to you in the event that the other party does not have insurance at the time of the accident.
Frequently, coverage disputes for an accident arise on the basis that the policy was canceled. Cancellation can occur for nonpayment of a premium or the failure to renew. Likewise, coverage may be excluded if material misrepresentations were made on the insurance application (failure to accurately disclose driving history, eligible drivers in the household, preexisting damage to the auto). Insurance coverage is obviously very important because without out it, you are personally liable for any damages resulting from a motor vehicle accident involving your vehicle. As mentioned earlier, if you should fail to have insurance and also fail to pay for the damages of any automobile accident, your driver’s license and automobile registration may be suspended until such time that you make payment arrangements.
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