THINGS TO CONSIDER WHEN PURCHASING
AUTO INSURANCE

DISCLAIMER

NOTHING HEREIN IS INTENDED AS LEGAL ADVICE, NOR IS THIS INTENDED TO ADDRESS ANY SPECIFIC PERSON’S SITUATION, NOR TO PROVIDE ADVICE ON ANY PARTICULAR SITUATION. THIS IS INTENDED ONLY AS GENERAL INFORMATION AND FOR EDUCATIONAL PURPOSES

I. General Auto Insurance Policy information:

In most cases, automobile insurance policies are made up of two components:

1. Coverage Information Page: This is usually one or two pages which contain the name of the policyholder(s), your address (you should always give accurate address information, as it is used to rate your policy, and is the assumed daily storage location for your vehicles), your policy number, the applicable dates of your policy, the specific types and amounts of coverage, and in many cases, the itemized cost of the various coverages for each vehicle insured. You will receive a new or replacement coverage information page (sometimes called a coverage sheet) for each new policy period.

2. Actual Policy: This document is usually a preprinted booklet, which contains no specific information related to the policyholder, but which sets out the specific contractual terms of your policy, and to which you must refer to see whether you have coverage under a specific set of factual circumstances. Your relationship with your own insurance company is, in virtually all respects, defined by the actual written contract between you and your insurance company; that is, the actual policy and the coverage information page. Claims by you, or those persons considered insured persons under your policy, are collectively referred to as First Party Claims. Claims made against you by persons who are not considered as a person insured under your policy are referred to as Third Party Claims. A discussion of who may be entitled to make a claim as an insured person under your policy is complex and beyond the scope of this memorandum. It can be many years between the dates you are provided with a new or replacement policy. It is not at all unusual for your policy to contain one or more addenda, or change sheets, usually referred to in your policy as “attachments,” “amendments,” or “endorsements.” These endorsements to your policy are as much a part of your policy as the master policy itself, and they always change something that is in the master policy document.

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If you have questions regarding Auto Insurance or any legal matter involving automobile accidents, trucking accidents, motorcycle accidents, pedestrian accidents, bicycle accidents, medical malpractice, products liability, premises liability, wrongful death, workers’ compensation as well construction disputes, sinkholes, structural collapse cases and real estate law, contact us immediately!

If you are located near Gainesville, Ocala, Lake City, Palatka, Hawthorne, Jacksonville, Marion county, Levy county, Columbia county, Bradford county, Duval county and other surrounding areas in the North Central Florida area, Call our Gainesville office today at (352)373-6791 or toll free at 1(855) LAW-1972 or 1 (855) 529-1972 to speak with an experienced attorney.

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