Panama City Car Insurance Information

Car Accident Attorney in Panama City, Florida

Personal Injury Protection 
Under the Florida Motor Vehicle No-Fault Law, all drivers seeking to register a vehicle in our state are required to purchase a Personal Injury Protection insurance policy, which provides coverage regardless of who is responsible for causing a car accident. This type of policy is available in minimums of $10,000 for injuries and $10,000 for property damage, and it covers you, your children and members of your household riding in your vehicle, as well as covering you if you are hurt as a passenger in another person's vehicle.

Bodily Injury Liability 
The Florida Financial Responsibility Law requires drivers to pay for Bodily Injury Liability insurance, and sets minimum coverage figures at $10,000 per person and at least $20,000 per crash, as well as $10,000 for property damage. This type of policy will pay on personal injury or wrongful death claims filed by accident victims and their families, as well as providing the policy holder with legal defense in the event of a lawsuit.

Uninsured/Underinsured Motorist 
State law requires a liability insurance policy to include uninsured/underinsured motorist coverage, and unless you have specifically waived your right to it you should have this type of coverage. A large percentage of drivers throughout the state choose to purchase the absolute bare minimum insurance policy in an effort to save money, and UM/UIM coverage makes it possible for you to recover the full value of your claim in the event that the other driver's liability policy is insufficient to pay for your costs.