We have written before on the various types of auto insurance available to Florida drivers. Now, stuck at home during the coronavirus outbreak, it is as good a time as any to review your policies to be sure that you and your loved ones are properly insured. It is also a great time to shop around your policies and make sure that you are not overpaying on your premiums.

Though not insurance agents, as personal injury and commercial litigation attorneys, of course, we must be knowledgeable about the different types of insurance. We are also well-aware of many hidden perils and exclusions contained within policies. Our knowledge and experience have been invaluable in the handling of many insurance claim denials, declaratory actions and insurance-related litigation.

For example, when one of our clients is injured in auto accident, we must of course carefully review the insurance policy for the at-fault driver, and our client’s policy as well. Estimates show that 1 in 4 South Florida drivers do not have bodily injury coverage. Do you have uninsured motorist coverage in case you are hit by one of these drivers? Is your coverage stacked, allowing you to increase your coverage depending on the number of cars included on the policy? We can explain these different types of coverages and, in turn, what you may be able to recover in case you are injured in a car crash.

We are not insurance brokers or agents, and do not offer advice or opinions on coverage. However, as a courtesy to our clients, as lawyers who deal with insurance on a daily basis, we would be happy to review and explain the basics of your policy, whether car insurance, home insurance or a business policy. If, after reviewing your policy, you have additional questions or concerns, or determine that you would like to change your coverage, we do recommend that you contact a licensed and trusted insurance agent. We have a network of trusted advisors that we would be happy to refer you to for these matters, should you so require.

Cutler Rader is a full-service personal injury and commercial litigation firm dedicated to providing our clients the best possible services and representation. We are committed to getting our client’s the justice they deserve and making sure their rights are fully protected every step of the way. Call us today to take advantage of our free insurance policy evaluation. Your justice starts here.


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