What is Bodily Injury Insurance Coverage Under a Florida Automobile Insurance Policy?

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Bodily injury insurance coverage is optional coverage under a Florida automobile accident insurance policy. Bodily injury insurance is sometimes referred to as liability insurance. In other words in order to qualify for payment or benefits under a bodily injury insurance insurance policy there must be fault or liability proved against the the policy owner or a driver covered under the policy. Bodily injury insurance policies covering Florida vehicles range in policy limit value from $10,000 to over $1 million. Because bodily injury insurance coverage is optional and there are varied amounts of coverage, it is impossible to tell how much coverage or the type of coverage under any particular policy without first obtaining a copy of the declaration page and the actual policy of insurance. If there is bodily injury insurance coverage and there is liability on the part of the policyholder, does this mean that the insurance company will automatically pay the bodily injury insurance limits to the injured person? The simple answer is “Not necessarily”. For instance, let’s say there’s a $100,000 policy in place. The injured person suffered a neck sprain or strain and the x-rays and the MRI results did not show any injury to the disc. At all likelihood, the insurance company will not pay pay out the policy limits in that case. On the other hand, if the person sustaining neck or back injury and an MRI results showed a herniated disc and a subsequent surgery was performed. In the second scenario, it is likely that the automobile insurance company will pay out the $100,000 policy limits. Valuing a case and pursuing a claim against an insurance company can be quite complicated. Because of this, it is important to get advice, consultation, and representation from a Florida automobile accident attorney as to the available insurance coverage and valuation of the case or claim.

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