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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida, including from our Central Florida office in Orlando. Our dedicated experienced personal injury attorneys handle a range of legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

The Trial Pro, P.A. attorneys, carry more than a century of collective legal experience and decades of working together as a team. We have represented hundreds if not thousands of people who have been injured due to car accidents, slip-and-fall, worker's compensation cases, and more. One thing that is clear to us is the essence of partnership. Without it, Trial Pro, P.A. could not be as effective in attaining success for our clients.

Gap Insurance FAQS

Frequently Asked Questions - Gap Insurance FAQS

In Florida, a gap insurance policy for auto coverage will work just like any other states Gap insurance program, but not all states offer this type of coverage.  This type of insurance is considered a type of credit insurance and will pay the differences between the vehicle payout and what is owed in the event there is an accident.  Florida does not require this type of coverage, but if it is in the fine print of your lease or loan you may need it.  One phrase that comes to mind when thinking of getting this type of insurance and that holds truth is, “Better to have had it and not need it than than not have it and need it”.  The ultimate question of whether you need this insurance or not should be because you have researched  the insurance and it fits your needs, as well as talking to your agent to make sure you understand completely what Gap insurance offers and doesn't offer.  With this type of insurance the premiums are low and usually within budget of most consumers.  So for peace of mind and a source of complete coverage for your auto this policy is just what you need. 

Here are some Questions & Answer:

What Does it Cover?

As a general rule Gap car insurance is optional but it works like your basic comprehensive and collision insurance on your vehicle.  You do have to have basic car insurance in  order for Gap insurance to payout.  Some Gap insurance will cover deductibles, but most do not so you should discuss this first with your agent.  Other total losses covered are theft, fire, accident, tornado, hurricane, flood and vandalism.

What is Excluded?

If you don't have basic car insurance you will be excluded.  Also equipment that is not installed in factory.  It will not cover down-payments or trade-ins.  This type of insurance is not replacement cost insurance.  It won't cover any past due payments on loans or leases and it will not cover any penalties or security deposits if you lease your vehicle.  You should remember this is just a partial list you should discuss this with your agent.

If I am at Fault will Gap Insurance cover it?

Yes, Gap insurance coverage will give you protection no matter the type of loss you have and if you owe more money than the value of the car.  Your comprehensive will cover the damages and if your vehicle is totaled with a monetary difference on your loan Gap insurance will pay the remaining balance of the loan regardless of who is at fault.

When and Where can I buy this type of policy?

Most of the major insurance companies offer this type of insurance and a few offer different type of this kind of insurance.  Some states do not allow this type of insurance so check with state laws.  The best way to get your questions answered is to discuss this with an agent.  Insurance is changing constantly and you should get to know your agent so they know your needs and can help you find solutions.

How Much is This Coverage?

This type of coverage from an insurance company will cost a few extra dollars a month, but always remember rates can vary.  You can also get this type of coverage when buying from a dealership, but these are usually more expensive and require upfront fees that are rather high.

Does it Cover Mechanical repairs?

This only covers you in the event of a total loss from an accident that is covered.

Does it Cover Death?

No it does not cover medical expenses, lost wages, funeral costs or bodily injuries.  It only applies to losing your vehicle.

When buying a new car it is a good investment to purchase gap insurance coverage in the event your car is totaled or stolen.  While your insurance policy will pay for the cars value at the time of the accident, they will not pay anything above that value.  This means that there could be a difference you will need to pay out of pocket.  The amount valued will be determined by the actual cash value, which is equal to the cost of the car new minus depreciation (age, physical condition, mileage, etc.).  Not having this type of insurance can leave you without a car and a huge bill you don't need.  In just a year of ownership your car can depreciate by thousands of dollars.  Less than you paid for it leaving you with a balance that can be difficult to financially handle.  Adding gap insurance is a good buy and one thing you should keep in mind is that you may only need it for a few years until the gap between what is owed and the value of the car closes.

In today's world with so much financial worries one thing that is important to many is their cars.  Vehicles take us to everything from work to family outings and with today's automobiles deprecating at rapid rates this type of insurance is reassuring many families and individuals in knowing they are covered.  The first four years of Gap coverage is very important because it covers the difference between what is borrowed and actual value of a vehicle in the event of an accident.  For many this will mean the difference between being able to get a replacement vehicle or simply not.  Deciding how much insurance one needs is tricky.  First you should always check to see how much the law in your state requires and you should consider enough coverage to protect your assets and yourself.  You also need to find the right kind of plan to fit your budget.  Shop around and check with other insurance companies to see which one will offer the best plan to fit your needs.  Insurance is designed to protect you, your assets, other people and property when there is a collision, theft or natural disaster. The main question is, “Should I get this type of insurance” and if your buying a car on credit the answer is “Yes”.



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With more than a century of collective legal experience and a commitment to hard work, excellence, and integrity, we have recovered millions of dollars in damages on behalf of our clients.
Our goal is to enable our clients to sit back and focus on their recovery, knowing that the team at Trial Pro, P.A. has the experience and resources to effectively handle all of the legal details involved in their case.

Personal Injury Law

We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively.

Car Accident Attorneys

Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations.

Slip and Fall Accidents

Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

What Our Clients Say

What Our Clients Say About Our Personal Injury Attorneys

"From the beginning we knew we were in good hands."
Clarence,
Personal Injury Case
Trial Pro got me $491,000
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Clarence,
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Trial Pro got me $998,000
"Trial Pro satisfied client 2021"
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Trial Pro got me $1,900,000
"We are really glad that we choose you guys to represent us."
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Trial Pro got me $1,000,000
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Our goal is to make the process as easy as possible for you. You don't even have to come into our office if you cannot travel or adjust your schedule to make it to us. We're more than happy to come to you!

In addition to traveling directly to our clients, the team at Trial Pro, P.A. also pledges to provide clear advice and regular client communication. We know how vital regular contact with our clients is - we never leave you hanging or delay our responses. 

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Orlando Personal Injury Attorneys

After experiencing an automobile accident, the last thing you desire is to have an attorney at hand that doesn’t know how to represent you adequately. You want a reputable law firm that will.

Serious Representation
We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively. 
Unmatched Case Results
Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury legal attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations. 
Committed to Our Clients
It would help if you didn't have to beg for a call back from your attorney. It would be best if you didn't have to beg for an update on your case. At Trial Pro, P.A., we don't operate in that manner. We constantly call our clients to give them updates on their claims. If we miss a call, we promise always to return it.
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Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

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Based in Florida, Trial Pro, P.A. represents clients across Florida from our offices in Miami, Orlando, Ft. Myers, Naples, Delray Beach, Jacksonville, and Daytona Beach. We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other business that you find more convenient. You are always welcome to come into our office as well.

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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida. Our dedicated, experienced personal injury attorneys handle various legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.


Trial Pro P.A. Orlando Office

  (407) 300-0000

 250 N Orange Ave 14th Floor
Orlando, FL 32801


Trial Pro P.A. Tampa Office

  (813) 522-5444

 1000 N. Ashley Drive, Suite 512
Tampa, FL, 33602


Trial Pro P.A. Naples Office

  (239) 300-0000

 870 111th Ave N #1
Naples, FL 34108


Trial Pro P.A. Fort Myers Office

  (239) 400-5000

 9341 Marketplace Rd
Fort Myers, FL 33912


Trial Pro P.A. Melbourne Office

  (321) 586-2088

 2551 W. Eau Gallie Blvd., Suite 102
Melbourne, FL, 32935

Contact Info

250 N Orange Ave, 14th Floor

Orlando, FL 32801

help@trialpro.com

(407) 300-0000


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Trial Pro, P.A. Car Accident Attorneys

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The information on this website is for general information purposes only. The Information presented at this site should not be construed as formal legal advice nor the formation of an attorney-client relationship. For medical advice and treatment, you should contact a licensed medical professional.