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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.

What is Bodily Injury coverage?

Frequently Asked Questions - What is Bodily Injury coverage?

What is Bodily Injury coverage?

If you are ever injured in any type of accident as a result of the negligence of someone else, whether it is another individual or some type of corporate entity (corporation, partnership, etc.), one of the most important things that you, and our law firm, need to know is whether the negligent party has any insurance coverage that applies to your accident AND if so, whether that policy contains Bodily Injury Coverage.

What is Bodily Injury Coverage?  The short answer is that Bodily Injury (BI) Coverage is the type of insurance coverage contained within a liability insurance policy that can then be utilized by the at-fault party’s insurance company to pay for most types of damage claims that arise out of any personal injuries sustained by you or others involved in the accident at issue. For instance, in a motor vehicle (auto) crash, if you are injured in the crash, you want the at-fault driver to have auto insurance on the vehicle that he was driving and for his insurance policy to contain BI coverage on that vehicle. If there is no B.I. coverage contained within the at-fault party's insurance policy, whether it’s an auto crash, slip and fall or some other type of incident, then you will have to seek to find pertinent coverage from some other source in order to obtain payment of the various aspects of your claim.  If your accident is a motor vehicle accident, you would look to see whether your own motor vehicle insurance policy contains Uninsured Motorist (UM) coverage and if you do have that type of coverage, then your claims would then be directed to your own carrier under the UM portion of your policy.

Insurance policies contain a multitude of different types of coverages. Almost all  homeowners insurance policies (which provide various types of insurance coverage to the  specific homeowner(s) and their insured property) and Commercial General Liability (CGL) insurance policies, which is the type of insurance policy that generally provides liability insurance coverage to businesses or corporations, typically include some amount of Bodily Injury Coverage although there are some such policies that provide only property damage or contents coverages.  However, these are the exceptions as generally speaking, a homeowners or CGL policy will generally include some amount of Bodily Injury Liability coverage. Moreover, the BI coverage contained within a homeowners policy typically provides coverage for not only negligent conditions present on the insured home/property that cause you to be injured but also negligent acts committed by the Named Insured (the homeowner(s)) off the property, subject to excluded acts that typically include anything to do with driving a motor vehicle  (which instead are covered by the insured’s auto policy).

When our law firm is retained by someone involved in any type of accident, one of the first things that we do is to send out what is referred to as a Letter of Representation (LOR) to both your insurance company and the insurance company that insures the at-fault party.  We request that these insurance companies provide us with a copy of all applicable insurance policies within 30 days of the date of our letter and generally speaking, the insurance companies comply with this request as there is a Florida law that requires them to do so in most situations.  Once we receive the insurance company's response to our LOR, we are then in a position to review the policies and provide you with information on whether the policy includes any Bodily Injury Coverage and if so, what are the policy limits under that type of coverage.

It is important to note that essentially all types of coverages provided under any insurance policy include specified Policy Limits for each type of coverage provided under the policy. This caps or limits, in most situations, the insurance companies’ responsibility to pay damages under these coverages to whatever the applicable Policy Limits are, meaning that is the Maximum that the insurance company would ever have to pay. Any amount in excess of those limits, generally speaking, has to be paid directly by the Insured (i.e. at-fault party). Although Florida law does not prohibit you from filing a claim against an individual or a business for an amount in excess of the applicable Policy Limits contained within their insurance policy, nor are you prohibited from filing a claim against them IF they do not have any applicable BI insurance coverage, practically speaking, our experience has been that it is extremely difficult to obtain any substantial payment directly from the at-fault individuals. The phrase, “You can’t squeeze blood out of a turnip”, comes into play here as most folks don’t have a significant amount of collectable cash or assets and those that do not obtain an insurance policy that includes Bodily Injury Coverage are frequently judgment proof, which means it therefore may not be worth pursuing a claim against them. Deciding whether to file a claim against an uninsured individual or company is a decision that is made by our firm on a case by case basis, after all available facts and options are thoroughly investigated and analyzed, so please feel free to contact us and let us help you investigate and analyze your case for you.

In the motor vehicle accident type of claim, and particularly within the State of Florida, there are many cases in which the at-fault party either does not have any insurance at all on his vehicle, which occurs way too often even though this is a violation of Florida law, or even if that at-fault party has a policy of insurance on his motor vehicle, there is a decent chance that that policy will not include Bodily Injury Coverage.  The reason for this is that Florida law does not require a motor vehicle liability policy to include Bodily Injury Coverage.  Rather, the only types of insurance coverage required under Florida's motor vehicle liability insurance laws is Personal Injury Protection (PIP) coverage, which is generally available only to the occupants of that specific vehicle , and property damage liability coverage, which only pays for the repair/ replacement value of your vehicle and even then only up to the property damage liability policy limits amount.  Since there are so many vehicles that utilize the public roads of the State of Florida that are either completely uninsured or which do not contain Bodily Injury Coverage, our firm strongly suggests that you obtain uninsured motorist coverage under your own auto insurance policy in order to protect you from the negligence of these types of uninsured drivers.      

When the at-fault driver does have BI coverage under his auto policy, the BI policy limits can range from $10,000.00 per claim/$20,000.00 per accident up to $1 million per claim/$2 million per accident, or potentially more. Certain individuals may also have an umbrella/excess policy that contains bodily injury coverage limits in excess of the BI limits contained within his/her primary policy. 

In a homeowners-type policy, generally speaking the amount of Bodily Injury Coverage that will be included within these types of policies ranges from $100,000.00 up to $1 million or more, depending upon the financial status or sophistication of the particular homeowner.  If your claim is against a business that has a CGL policy, generally speaking the amount of Bodily Injury Coverage contained within that type of policy ranges from $100,000.00 on the low end up to $1 million, or more, on the high end.  Moreover, as stated before, both businesses and certain individuals may also have an umbrella/excess insurance policy that contains additional Bodily Injury Coverage on top of the amount of Bodily Injury Coverage provided by their primary policy. 

As you can see, it is very important to learn as quickly as possible, regardless of the type of accident that you may be involved in, whether the at-fault party has insurance coverage and if so, whether that policy contains Bodily Injury Coverage.  Your attorneys at Trial Pro are all well versed on these issues and we are ready and willing to help you so please feel free to contact us by telephone, email or on the Web. 



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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,
Personal Injury Case
Trial Pro got me $795,000
"Trial Pro satisfied client 2021"
Client,
Car Accident Case
Trial Pro got me $1,510,000
"When I hired Trial Pro, I didn't have to worry about anything."
Mark,
Motorcycle Accident Case
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.
Compassionate In & Out of Court
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


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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.