Automobile Insurance

One of the most difficult things we deal with after an accident is sorting through insurance coverage for the individual or company at fault and our client. Just recently a client of Frazier & Hill, a young man in his 20's, suffered a broken neck causing him to lose the use of his extremities. The individual who caused the accident did not have any insurance and our client carried only $10,000.00 of uninsured motorist coverage. Our client's bills were over $250,000.00 and he could no longer work. This was terrible news that we had to give this young man and his family. There would be no compensation for his injuries and no way to pay the outstanding medical bills and the bills to come in the future.

We don't want this to be you or a loved-one.

Automobile insurance is important and far too often do individuals cut coverage to save only $10.00 or more a month. This isn't where you want to cut your budget.

Frazier & Hill advises its clients to carry a minimum of $100,000.00 Bodily Injury coverage and $100,000.00 Uninsured Motorist coverage. We typically see these coverages protect and adequately cover a large percentage of all automobile injury claims. Plus, in Florida Uninsured Motorist coverage typically covers you in both a loss where the defendant driver does not have any bodily injury coverage and where the defendant driver does not have enought bodily injury coverage.

If you can also afford it, we encourage our clients to carry Medical Payments under their policy. Medical Payments provides additional coverage for medical bills that you may incur as a result of injuries sustained in an accident. Most likely your current policy will only pay 80% of your medical bills up to a total of $10,000.00. Medical Payments will provide you with an additional $5,000.00 or more that will not only cover the remaining 20% of these bills, but provide you with 100% of each bill up to a total of $5,000.00.

Should you have questions about your policy, would like us to review your policy or have questions about medical bills incurred from an automobile accident, please contact us at 407-637-5890 or james.frazier@frazierfirm.com .