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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.

Why Florida Drivers Need High Liability Insurance Limits?

Frequently Asked Questions - Why Florida Drivers Need High Liability Insurance Limits?

What exactly is liability coverage as it applies to your automobile insurance policy?  Simply put, liability coverage kicks in if you are found to be at fault, either fully or partially, for a motor vehicle accident, and it provides coverage for those individuals who are injured or have damages as a result of that accident.  This type of coverage is not intended to provide compensation to the at-fault policyholder if they, too, are injured or have property damage due to the accident.  It only extends to the other driver or drivers when you as the policyholder are found to be totally responsible for the accident or found to be responsible at least to some extent.

First of all, drivers in the State of Florida, which is a no-fault state, are required to purchase certain limits of automobile insurance for their policy.  One such required coverage is the Personal Injury Protection or PIP, coverage which provides payment to the policyholder for any of his or her injuries as a result of the auto accident no matter who is found to be at fault.  But there is one important liability coverage which, while it is required in most of the other fifty states, is not required in Florida. 

Frequently when a Florida driver is shopping around for or renewing an automobile insurance policy, their main focus is on coverage to provide protection to themselves.  This type of coverage is obviously not liability coverage but rather the aforementioned required PIP coverage and the uninsured/underinsured motorist limits (not currently required in Florida).  But equally important for adequate policyholder protection are the liability coverages that extend benefits to the other driver or drivers in the event that fault for the accident does not lie with them but rather with the policyholder.  This includes important liability coverage such as Bodily Injury Liability insurance, referred to in the above paragraph, which is also referred to as BIL.  Unfortunately, this type of coverage remains an optional policy purchase in Florida.

Bodily Injury Liability insurance coverage provides payment, up to the purchased policy limits, for injury or death to the other drivers in an automobile accident when the policyholder has been found to be totally or partially liable.  It also extends coverage to any of the policyholder’s family members who currently reside with them, and, if the policyholder allows someone else to drive their vehicle and that person causes a motor vehicle accident which results in injury to others, BIL kicks in to compensate the injured for their injuries as well.

As stated above, in Florida BIL coverage is not required (unless you are a driver who previously was convicted of driving under the influence – then you are required to purchase BIL for your policy for a certain time after the conviction), and some policyholders choose to not add this liability coverage to their policy in an effort to spend less on the total premium cost of the policy.  But BIL coverage, although it does provide protection to others as discussed above, actually is important coverage to protect the policyholder in the event that he or she becomes liable for an accident that causes injuries to others which result in claims for medical expenses and other damages.  Basically, adding BIL coverage to your automobile policy is one way to protect your assets such as your home or homes, your other owned assets, and your savings and investments in the event you are sued by an individual injured in an accident for which you have been determined to be at fault.

The Florida Financial Responsibility Law sets forth that a vehicle owner who enjoys the privilege of operating his or her vehicle on the streets and roadways of Florida must do so with consideration for others and for the property of others and must be prepared to provide financial compensation for any injury to others or damage to their property that the vehicle owner may have caused.  Having BIL on your automobile insurance policy can provide you with an initial line of valuable protection if you yourself are found to be at fault for injury to others.

Failing to add BIL to your automobile policy can potentially leave you and your assets wide open and vulnerable to a possible claim against your personal holdings from the other injured driver or drivers who, when they or their counsel realize that no BIL coverage exists, may very well decide they have no other option other to file a claim against you personally.

Initially, in motor vehicle accident cases where there is found to be no available BIL coverage, the injured party will likely request that an asset search be performed on you as the at-fault.  Specifically, you would be required to truthfully itemize all of your assets such as your homes and other real estate holding along with vehicle owned and other private financial information.  Depending on the amount of these assets, the injured party can then decide whether or not to bring a claim against the at-fault individual personally.  Very often this results in a civil lawsuit being filed.  It is important to remember that the insurance company holding the policy for the at-fault driver is not responsible for obtaining at attorney to represent them in the personal injury suit now filed against them.  The policyholder who is being sued will need to retain appropriate counsel themselves and then of course be held personally responsible for any of the resulting legal fees and costs.

So far we have been discussing what might happen should you choose to not purchase BIL coverage.  But should you make the wise decision to add BIL to your policy, it is also very important to consider the level of limits to buy.  If you have substantial personal assets, the higher limits of BIL would provide much better protection.

And, speaking of liability protection, there is another line of liability coverage, one that is required for a Florida automobile insurance policy.  This would be Property Damage Liability, also referred to as PDL.  This coverage protects you for any damages to anyone’s property that stem from an accident that you caused.  The current required PDL limit in Florida is ten-thousand dollars, but, again, choosing to purchase a higher limit will afford you and your assets greater protection as, should the damage exceed your purchased policy limits, you run a risk of being held personally responsible for the remainder of the damages.

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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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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.
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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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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. 
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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

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250 N Orange Ave, 14th Floor
Orlando, FL 32801
(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.