Do You Think You Have Full Coverage?

Each year the personal injury attorneys at Alpert Schreyer Injury Attorneys
represent hundreds of your neighbors and friends after severe automobile
injuries. Often when our attorneys and paralegals ask new clients about
their insurance, they reply “I think I have full coverage.” The assumption is
that they bought complete insurance coverage for all of their losses. The
reality is much different. Insurance is considered full coverage if it provides
coverage for damage to the vehicle caused by the owner. This type of
coverage is called “collision coverage.” While it is good to have collision
coverage in case you back into something while parking, this is far from full
coverage.
We advocate that all car owners should purchase meaningful insurance for
injuries that can result from a severe collision. Before you can decide whether
or not you need to increase your current auto insurance coverage, you will
first need to know what your current coverage is and how it works. We
should begin by talking about what a policy is. The best way to understand
your policy is to look at it from the perspective of the insurance company.
Deciding what coverage is adequate begins with understanding that severe
injuries cause medical expenses and lost wages that can climb above one
million dollars, and juries in Hypoluxo and the FL do
award more than one million dollars for the emotional, painful losses that
can follow catastrophic injury and death.