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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.

Types Of Auto Insurance You Need To Be Covered In Florida. The Difference Between Comprehensive And Collision Coverage

Frequently Asked Questions - Types Of Auto Insurance You Need To Be Covered In Florida. The Difference Between Comprehensive And Collision Coverage

Did you know that Florida is the state with the highest number of uninsured motorists?  According to the Insurance Research Council's latest study, 26.7% of drivers in Florida are driving without auto insurance.  It is a scary feeling to know that a little over 1 in every 4 drivers on the road is driving without insurance.  Fortunately, there are insurance coverages that you can carry in your auto insurance policy that can protect you.

How Can I Be Fully Covered in Florida?

Firstly, it is important to know that In the State of Florida, there are only two auto insurance coverages that are required to drive a motor vehicle:

 

  1. Person Injury Protection (PIP) – Personal Injury Protection (PIP) covers yourself, (whether you are at fault or not at fault), passengers in your vehicle, and household relatives. If you, your passengers, or household relatives are injured in an automobile collision, your PIP coverage will pay 80% of your medical expenses and 60% of your wage loss (if you did not exclude wage loss on your policy) up to $10,000.00. For example, you go to the emergency room for your injuries and incurred a $1,000.00 bill.  Your PIP coverage will pay up to 80% of that bill.  The 20% percent will be considered your responsibility.  The medical bills received by your auto insurance will be paid directly to the medical provider.  Even having this required coverage may leave you with out-of-pocket medical expenses, even if you were not at fault.
  2. Property Damage Liability Coverage- A minimum of $10,000.00 in Property Damage Liability coverage is required in the State of Florida. Property Damage Liability coverage pays for the property damage of the owner of the vehicle who was not at fault.  For example, if your vehicle was rear-ended, the at-fault driver's Property Damage Liability coverage pays for the damage to your vehicle.  While someone may be insured, there may be a chance that this person may only have the minimum requirement of $10,000.00 in property damage coverage.  If you have a newer vehicle and your vehicle is deemed a total loss, $10,000.00 may not be enough to cover the value of your vehicle.

Did you notice that even if you are hit by a vehicle that has auto insurance, you still may not be fully covered if you or the at-fault driver only carry the minimum insurance requirements in the State of Florida?

Now Let Us Go Over the Insurance Coverages that Can Cover and Protect You, Your Passengers, Your Family, Your Vehicle and Your Assets

These coverages may be optional but are extremely important to have:

Bodily Injury Liability (BI) Coverage- If you cause a car accident and the accident causes injuries to the person who was not at fault, you Bodily Injury Liability coverage may pay for the medical balances that were not paid by their Personal Injury Protection coverage.  Your insurance may also pay them a settlement for their pain and suffering.  Having Bodily Injury Liability coverage can protect you from being sued in a civil court.  And if you have assets, you may want to protect yourself by carrying a significant amount of Bodily Injury Liability coverage.  If you choose to purchase Bodily Injury coverage, the minimum amount you can purchase is $10,000.00 per person/$20,000.00 per accident.

Uninsured/Underinsured Motorist (UM/UIM) Coverage- Uninsured/Underinsured Motorist coverage protects you if you are in a situation where the at-fault driver does not have insurance, does not have Bodily Injury Coverage, or has a very low amount in Bodily Injury coverage.  If you sustained injuries in a car accident where the at-fault party did not have Bodily Injury coverage or had a low amount of Bodily Injury coverage, you can make an Uninsured or Underinsured Motorist claim to your insurance.  This coverage only applies if you were not at fault in the collision.  Your UM/UIM coverage pays for any outstanding balances that your PIP coverage did not pay and can pay you for your pain and suffering.  In the State of Florida, to purchase UM/UIM coverage, you must purchase Bodily Injury coverage as well.

In Florida, where 1 in every 4 drivers are driving without insurance, Uninsured Motorist coverage is especially important to have.  You never know what types of injuries you may sustain in an accident and what type of medical treatment your injuries may require.  Having Uninsured Motorist coverage in your policy can give you the peace of mind of knowing that you will be adequately covered if you are ever injured by an uninsured driver or vehicle.

Collision Coverage- Collision pays you, the policyholder, for the damage to your vehicle whether you were at fault for the crash or not.  There is no limit to the amount your Collision coverage will pay for the damage to your vehicle.  However, Collision coverage usually is accompanied by a deductible, which is a fixed amount of the vehicle repair cost that you, the insured, are responsible to pay. For example, say you have a $500 deductible in your policy and the total amount of your vehicle repair cost is $3,500.  You would be responsible to pay $500 and your insurance will cover the rest.  If you were not at-fault for the crash, and the at-fault party had insurance coverage, your insurance company can send a demand to the at-fault driver's insurance for reimbursement for what they paid for your vehicle damage. Additionally, on your behalf, your insurance can also include the deductible that you paid in the demand against the other person’s insurance.

What is the Difference Between Comprehensive and Collison Coverage?

Comprehensive coverage can help cover your vehicle for damages that are not caused by a collision such as natural disasters, falling objects, fire, etc., whereas, Collision coverage can help cover your vehicle for damages caused by a collision.  For example, a deer suddenly runs in front of your vehicle and you swerve to avoid the deer and crash into a light pole.  This is considered a collision since your vehicle crashed; therefore, your Collision coverage should cover your vehicle damage.  Now let’s say a tree falls on your vehicle while you’re parked or your car was damaged by a storm, your Comprehensive coverage would apply in these situations since your vehicle was not damaged by a collision or crash.

It is safe to say that having adequate insurance coverage is your best bet in a state where 26.7% of drivers are uninsured.  So, add what you need if you have not done so already!



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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 location that you find more convenient. You are always welcome to come into our office as well. Contact us Today!

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Car Accident Attorneys

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
"I wouldn't be where I am today without Trial Pro."
Clarence,
Personal Injury Case
Trial Pro got me $998,000
"Trial Pro satisfied client 2021"
Client,
Car Accident Case
Trial Pro got me $1,900,000
"We are really glad that we choose you guys to represent us."
Nicole,
Personal Injury Case
Trial Pro got me $1,000,000
"Trial Pro makes sure you get what you deserve."
Ashley,
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Trial Pro got me $795,000
"Trial Pro satisfied client 2021"
Client,
Car Accident Case
Trial Pro got me $1,510,000
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Mark,
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Trial Pro got me $810,000

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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.

Pursuing Client Victories

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


Our law firm fights aggressively -- always determined to win your case. 

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.