Tampa Automobile Insurance

Florida law makes it mandatory to have your vehicle insured.

There are many types of auto insurance coverages. Knowing how your insurance policy works can help you recover the loss you encounter when you are involved in an auto accident.

Types of auto insurance coverage:

  1. Personal Injury Protection (PIP): Mandatory. Florida requires you to be covered for at least $10,000 for PIP.  PIP coverage pays for 80% of the medical bills qualified as necessary, 60% for loss wages, 100% for replacement services (i.e. child care, home or garden maintenance) , and $5,000 for death benefits.  PIP was created to help Floridians reduced the need to litigate for compensation caused by an auto accident.
  2. Property Damage (PD): Mandatory. Florida requires you to be covered for at least $10,000 for PD.  PD pays for the damages to the car and possessions of the other party in an accident in which it is determined that you were at fault.
  3. Bodily Injury (BI): BI pays for the bodily injury or death caused by your vehicle to the other party at the time of the auto accident.
  4. Uninsured/Underinsured Motorist (UM): UM pays for the bodily injury caused to you, members of your family, or any other occupant in your covered vehicle, by the other driver that was at fault.
  5. Collision Coverage: this pays for the repairs or replacement of your vehicle if you collide with another vehicle or object or it overturns. Collision losses are paid regardless of who is at fault. It does not cover bodily injury only property damages to a covered vehicle.
  6. Comprehensive Coverage: this pays for loss or damage to your covered vehicle caused by any event other than a collision (i.e. fire, theft, windstorm, vandalism, or flooding).
  7. Medical Payment: this pays for medical expenses incurred by the insured because of bodily injury caused by an accident.  It also covers the amount exceeding the PIP’s limit up to the benefits limit for medical treatments.

Call us today at (813) 933-1234 or toll free at (877) 935-1234 or email us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it


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REPRESENTED CASES

Slip and Fall Accident and Wrongful Death
A twenty-six week pregnant mother tripped on a display board left on the floor by the store employee. The trauma associated with the fall caused the subsequent onset of labor wherein the child was born but later died as a result of premature complications. This case was referred to Guzman Law Group wherein a complaint was filed against the store. This case is currently pending.

Car Accident and Wrongful Death
Client was driving southbound on highway when at the same time Defendant, a federal government employee drove northbound in the opposite direction wherein the client was killed in a head on collision. This case was referred to Guzman Law Group wherein it is still currently pending.

Sexual Molestation
Client, minor child, was sexually molested while visiting Defendant’s home with family. The homeowners insurance denied coverage based on the exclusionary clause contained in the policy. The case was referred to Guzman Law Group wherein it obtained the insurance policy limits.

Electrocution
Client was electrocuted while fixing cables on the neighbor’s roof. The homeowners insurance denied coverage based on the exclusionary language contained in the policy. The case was referred to Guzman Law Group wherein it obtained insurance policy limits.

Defective Knee Implant
Client underwent knee replacement surgery wherein the hardware was later deemed defective and thereby nationally recalled. Client had to undergo a second knee replacement surgery. Guzman Law Group entered into an undisclosed resolution with the national manufacturer. This case was referred to Guzman Law Group.  

Negligent Supervision
Client, six-year-old minor child, was dropped off at school and not supervised while walking to classroom. The minor child ran off school campus when the exit door leading to a busy street was left unattended by school officials. The child was struck by a car and suffered severe head trauma, spinal cord injuries, and was in a coma for over a month.  School board officials denied liability. The case was referred to Guzman Law Group wherein the case was resolved several years later for an undisclosed amount.

Cuban Torture Victim
Client was the victim of repeated sessions of electrocution and insulin torture while a prisoner in Cuba. Client received torture sessions under the supervision and direct orders of Fidel Castro.  This case was referred to Guzman Law Group by another law firm.  

Dog Bite Accident
Client, three-year-old minor child, was bitten in the face while visiting Defendant’s home and thereby suffered severe facial injuries requiring stitches on both sides of the cheek. This case was referred to Guzman Law Group and resolved for an undisclosed amount.   

Workers’ Compensation
Client was hit in the back by a metal sheet while working the assembly line at his company. Client suffered a two level disc protrusion in the lumbar spine impinging upon the spinal cord. Defendant Employer did not want to provide Client certain benefits recognized under the Florida Workers’ Compensation Act. The matter was resolved after the petition for benefits was filed. This case was referred to Guzman Law Group.

Misappropriation of Business Funds
Client, Church Board, provided newly arrived Pastor with access to all of the Church’s business accounts.  Pastor misappropriated the funds the Church had allocated for the deposit it needed for its new construction. The case was referred to Guzman Law Group by another law firm. Guzman Law Group obtained all the money that had been taken by the Pastor thereby allowing the Church to build its new building. 

Unlicensed Construction Claim
Client, commercial developer, contacted Guzman Law Group after being referred by another attorney in order to represent them in an administrative hearing wherein it was alleged that they had been inappropriately paid over several million dollars for construction work they had performed by using several unlicensed agents.  Guzman Law Group attended the hearing wherein the administrative board found Client not in violation and not required to surrender its license for two years as requested by the moving party.