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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 Full Coverage In Florida?

Frequently Asked Questions - What Is Full Coverage In Florida?

In Florida, full coverage has different meanings for different people, $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL), which is only the minimum they offer that is required by law. However, as a no-fault state, the requirements for Florida drivers are a bit different from other states. PIP coverage will protect you if you get hurt as a pedestrian, passenger in someone else’s vehicle, or if you are a bicyclist. Also, any vehicle with a current Florida registration registered as a taxi must carry bodily injury coverage of $125,000 per person, $250,000 per occurrence, and $50,00 for property damage liability. If you have the two types of mandatory coverage in Florida, then according to the state you have “full coverage”.

Bodily Injury liability coverage is not required, instead, they rely on personal injury protection. Bodily Injury Liability covers the death or serious permanent injury to the other party when you are legally liable for the injuries and damage that was caused. If you do not have bodily injury liability, then you are putting your personal assets in serious jeopardy if you are the result of the accident that causes injuries to others. However, this may change if you received certain traffic citations or caused an accident that resulted in injuries or death of another or if you were convicted of driving under the influence as of 10/1/2007. Being that Florida is a no-fault state, that means regardless of who is at fault your own personal injury protection insurance will have to step up to provide coverage up to the policy limits. Personal Injury Protection coverage only pays 80% of all necessary and reasonable medical expenses as a result of your injury regardless of who is at fault for the accident. This includes surgical, x-ray, dental and rehab services, ambulance, hospital, and nursing services. The payment process is based on the fact an individual receives services and care within the required 14-days after the motor vehicle accident. PIP also pays 60% of work loss and a $5,000 death benefit. The $5,000 death benefit is an additional amount of insurance.

 Bodily Injury covers the medical expenses of those that were injured in an accident that was caused by you. What is liability coverage in Florida? If you are the cause of an accident, liability insurance covers those injured who have suffered damages. Liability Insurance never covers your injuries or damages to your property., it is only used to pay the other driver. State-mandated car insurance limits vary, the limit is simply the lowest amount of coverage that you can carry and still be legal here. It is important to adhere to Florida’s car insurance requirements. After being involved in an accident, the parties involved must present proof of insurance to the responding authority. If you fail to maintain active personal injury protection and property damage liability insurance on your vehicle then you will be held accountable and be charged with a nonmoving traffic infraction and have your driver's license suspended; this may be waived if you are able to provide active insurance within 24 hours of the accident. If you knowingly provide a law enforcement officer with your insurance information expired, you will be charged with the first-degree misdemeanor which will result in fines and possibly some jail time.

Being that the car insurance minimums in Florida are quite low, it is highly recommended that drivers obtain coverage that is above that state-required limits, in the long run, it will save you from having to pay any extra out of pocket expenses if you are involved in an accident. This could happen if you are seriously injured by a driver with no bodily injury liability, you will be burdened with the damages and the out of pocket payments that will follow. There is optional car insurance coverage in Florida, great add ons to your insurance policy,

 Comprehensive coverage and collision coverage. Collision coverage pays for the damages that were caused by crashing into another vehicle or object or another vehicle crashing into you. On the other hand, Comprehensive coverage pays for damage to your vehicle that was caused by things other than collisions such as Theft, vandalism, fire, flood, or a natural disaster. Although, you may be able to purchase comprehensive coverage without collision. In the state of Florida, low minimum coverage limits may not cover all costs, this can leave you at risk and have you cover the rest of the expenses out of pocket.

Uninsured/Underinsured coverage is not required in the state of Florida but is common coverage that is available.  UM, coverage will pay you for an accidental bodily injury, sickness or disease including death when such an injury is the result of an automobile accident and the at-fault party does not have bodily injury coverage, or with sufficient limits. Unlike PIP benefits, UM benefits are paid as a lump sum once your treatment has been determined.

Another common coverage in the state of Florida is Medical Payments coverage, it will pay for reasonable expenses for the necessary medical/funeral expenses in an accident regardless of who is at fault, very similar to PIP.

Rental Reimbursement will provide you replacement transportation up to a specified limit shown on the policy. It is applied if your vehicle is not working, or unsafe to operate following a covered loss. Some insurance companies will pay the rental vehicle provider directly, others require that their insured pay the rental cost out of pocket and then will submit receipts for reimbursements.

Two important Florida car insurance laws to be aware of is the Financial Responsibility Law and No-Fault Law.  The Financial Responsibility Law requires that certain drivers are to carry full liability auto insurance due to their driving history. These drivers that are included are those at fault for past accidents resulting in an injury to others, those who have received excessive points against their license, and a DUI due to serious and or repeated offenses.  Being a no-fault state just means that the drivers involved in an accident must rely on their own car insurance providers to pay for the subsequent costs.

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Personal Injury Attorneys
Committed to Your Personal & Financial Recovery

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. 

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.
Personal Injury Attorneys
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. 
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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. 
Car Accident Lawyers
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
(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.