Auto Insurance Claims

“Auto” insurance means not only private passenger cars, but also commercial autos (trucks or other vehicles used in business) and motorcycles.  Auto claims are broken down by the type of coverage provided in either a personal (private passenger) or commercial (business) insurance policy. Claims may be characterized as “third party”, or brought by someone against the insured, or “first party”, when brought by an insured against his or her own insurance company.

Florida’s highways are now the deadliest in the nation for pedestrians and bicyclists. A study released last fall by Transportation for America and the Surface Transportation Policy Partnership found that the latest federal statistics indicate 11.1% of pedestrians killed in the U.S died in Florida. The state also accounted for 17.4% of all bicyclist fatalities. For walkers, Florida is one of the four most dangerous cities in the U.S.  When the driver of a motor vehicle fails to act reasonably, or acts unreasonably in a given circumstance, causing injury or property damage, that driver is negligent.

The following are the primary insurance coverages provided in an auto insurance policy under which claims are brought:

1. Liability (Bodily Injury or Personal Injury and Property Damage)
2. Uninsured/Underinsured Motorist (Bodily Injury);
3. Auto Physical Damage (Comprehensive and Collision);
4. No-Fault (PIP);
5. Medical Payments (Med Pay);
6. Rental Expense, Extended Transportation and Loss of Use;