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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 Considered Full Coverage Auto Insurance in Florida?

Frequently Asked Questions - What Is Considered Full Coverage Auto Insurance in Florida?

In the State of Florida, by law, if you have a car, you are required to have only Personal Injury Protection (PIP) benefits AND Property Damage Liability (PDL).   Therefore, the State of Florida's minimum requirements for auto insurance coverage are $10,000 for Personal Injury Protection (PIP) and $10,000 for property damage liability (PDL).  If you carry those coverages, you have what is considered “full coverage” in the sunshine state.  Since the words “full coverage” are misleading, many people in the State of Florida have the misconception that they have “full coverage”.  For instance, they believe they carry all the other coverages, such as:, Bodily Injury (BI), Uninsured and Underinsured (UM and UIM), Medical Payments (Med Pay), comprehensive and collision coverage, when in fact, they only have the bare minimum required by law in the State of Florida. 

First and foremost, the State of Florida is considered a No-Fault state.  A No-Fault state, simply means that it does not matter who is at fault for the auto accident, each person will make a claim under their own Personal Injury Protection (PIP) coverage.  In the state of Florida, Personal Injury Protection (PIP) coverage is required to be purchased by all owners of motor vehicles registered in this state.  Florida Statute 627.7407 (5) states: “(a) That beginning on January 1, 2008, Florida law requires the policyholder to maintain personal injury protection (PIP) insurance coverage and that this insurance pays covered medical expenses for injuries sustained in a motor vehicle crash by the policyholder, passengers, and relatives residing in the policyholder’s household. (b) That if the policyholder does not maintain personal injury protection coverage, the State of Florida may suspend the policyholder’s driver license and vehicle registration.”  What is Personal Injury Protection (PIP)?   PIP (Personal Injury Protection) is the type of insurance that will pay cover medical bills up to 80% and 60% of wage loss. In Florida, you must carry $10,000.00 in PIP coverage.  Florida PIP covers medical costs, lost wages, and death benefits.  In case of a death, PIP coverage offers compensation of up to $5,000.00.  PIP would also pay for funeral and burial expenses.  In addition, PIP insurance coverage will cover you as a pedestrian or riding a bicycle.  Furthermore, it is extremely important that if you are filing a Personal Injury Protection claim, you start treatment within fourteen (14) days from your auto accident.  If you do not, your automobile insurance company can deny your coverage and refuse to pay.  These medical expenses must also be “reasonable” and “medically necessary” or a PIP carrier may deny payment for certain services it deems to be unreasonable or not medically necessary.

Property Damage Liability (PDL) in the amount of $10,000.00 is also required in the State of Florida.  What does PDL cover?  This type of insurance covers any damage to another person’s property caused by you or someone else driving your insured vehicle.

As mentioned earlier, in the State of Florida, you are not required to carry other coverages such as Bodily Injury (BI) or Medical Payments (Med Pay), Collision, Comprehensive, and Under and Uninsured (UM and UIM) coverages.  These coverages are all extra and cost more money.  Nevertheless, as a driver, it is your decision if these coverages might be beneficial to you.  In the long run, they might be.

Therefore, Bodily Injury (BI) is the type of insurance that covers a person if you hit them and they are hurt.   Medical Payment coverage or Med Pay is extra coverage to pay for your medical bills.  It can also help cover the 20% not paid by your PIP benefits. For instance, if you are injured in an auto accident with a person that only has the minimum required in the State of Florida and that person is at fault, you will have to make a claim under your Underinsured Motorist (UM) coverage against your own car insurance company.  UM, coverage is the type of insurance that pays for injuries caused by an uninsured (someone that has no insurance) or underinsured (someone that does not have enough insurance).  Collision Insurance is the type of insurance that will cover damage to your own vehicle after an accident.  Comprehensive insurance is the type of insurance coverage that helps pay to replace or repair your vehicle if it is stolen or damaged in an incident that is not a collision. 

All these extra coverages such as bodily injury, med pay, collision, comprehensive, under and uninsured coverages are extra and cost more money, however, in the State of Florida, it is up to the driver to get those coverages depending on their needs and wants.  Therefore, it is important, that when you are shopping for auto insurance, you ask questions and familiarize yourself with the types of insurance and coverages available and or required in the State of Florida.  Sometimes, due to lack of knowledge, language barriers, or simply not reading declaration pages when signing and buying car insurance can mislead a person into thinking they have “full coverage” when they simply have what the law requires in the State of Florida.

Again “full coverage” in the state of Florida is only PIP and PDL.  Can I get in trouble if I do not carry full coverage (PIP and PDL) in the State of Florida?  If you live in the State of Florida and you do not show proof of insurance, carrying the minimum required, your license can get suspended or not renewed along with your vehicle registration.

Furthermore, it is also very important that you understand, that if you do not carry Bodily Injury liability insurance and you get involved in a car accident, you could be at risk of being personally liable and sued.  Again, Bodily Injury (BI) coverage is not required in the State of Florida.  Since Bodily Injury (BI) is not required in the State of Florida, it is important that you as the driver protect yourself and your vehicle in case of an auto accident. 

Nonetheless, if you have been injured in an auto accident and your insurance is not providing you coverage as specified under your policy, speak to an experienced Central Florida personal injury and car accident lawyer at Trial Pro.  Call us at Trial Pro, P.A at-1-800-Trial Pro. 



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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,
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

Our Personal Injury attorneys have been featured in numerous publications

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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. 

Mobirise

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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 Our Locations

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

Trial Pro, P.A.

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.