Auto Insurance Rates Clearwater Florida FL
Reader’s Question:
Hi there! If in the event that I meet an auto accident here in Clearwater Florida FL, will I be able to make use of my liability auto insurance for myself in case I get injured?
Lazlo
Clearwater, FL
Hi there Lazlo!
That’s a great question that will surely clarify a lot of people’s perception on auto insurance. I see you have the most basic coverage for auto insurance in Clearwater Florida FL, which is liability. Let me tell you that unfortunately, you will not be able to use liability auto insurance for your self. You see, it’s for your car.
However, if you do get injured during a collision or an accident – your health insurance will pay for that. Liability coverage is actually meant to pay for any liabilities should you meet accidents on the road, which means that this can only be used and claimed by the other party if you happen to be at fault. Or if it’s the other party’s fault, you may decide to press charges and you can claim their auto insurance coverage to pay for your hospital bills.
If you want to be completely protected, though (and you don’t happen to have health insurance), you can purchase an additional coverage in Clearwater Florida FL which is personal accident coverage. This covers medical bills for you and the passengers in your car during the accident. This may not be necessary, though, if you have health insurance.
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