Q. What should I do if I am involved in an automobile accident?

Do not leave the scene. Contact the police immediately if there is any injury or property damage. You should exchange name, address and insurance company/policy number with the other driver. Finally, contact your insurance company as soon as possible.

Q. What if I am involved in an automobile accident when the other party is at fault and has no insurance?

In the state of Florida, you are not required to but you should purchase what is called uninsured motorist coverage to be protected in such a case. Even if you receive a judgment against the at-fault party, it may not be collectable without the coverage.

Q. Will my automobile insurance cover property damage that occurs while I'm driving a rental car?

It depends. Review your rental contract, your insurance policy, or call your insurance agent.

Q. What is Personal Injury Protection?

Personal Injury Protection (PIP) covers you and all family members residing in your home for medical bills and lost wages incurred as a result of an automobile accident, regardless of fault, up to a statutory limit of $10,000.

Q. What if I am involved in an automobile accident that results in serious damage to my car but I have no collision coverage?

If another driver is at fault for the collision, that driver's property damage liability coverage should pay for the damages. Otherwise you would be responsible for the repairs to your car.