The minimum Personal Injury Protection coverage required by law in Florida is only $10,000. This amount is never enough to fully pay for damages, especially when it comes to a catastrophic accident like a head-on-collision. And that is your own insurance that covers your own damages. Unfortunately, many car owners skimp on their insurance to save money and just purchase the minimum amount of insurance. Another problem that may occur is the at-fault driver does not have any insurance at all, so remember it is always recommended to carry uninsured motorist coverage on your vehicles.
Besides injuries and a destroyed automobile, head-on-collisions can wreak havoc financially. Medical care is costly and you may end up with a lot of debt because of it. The cost of the most advanced and intensive care, such as for injuries to the brain and spinal cord can easily end up in the six figures. You may need physical rehabilitation for a long time. You may be laid up and unable to go to work, which can hurt your budget even if it is for a short time. If you are unable to work because of your injuries for a long time, you could end up bankrupt.
The worst case scenario is death. If a relative died in an auto accident, you also may be able to file a wrongful death claim … to obtain justice for your loved one who has passed over, and to fight to provide the survivors of the deceased much deserved financial stability.