Driving In Florida This Holiday Season? Make Sure Your Insurance Protects You if a Car Accident Happens

Q: Can I still use UM/UIM if the other driver causes the crash but leaves the scene?

Yes. UM coverage can apply in hit-and-run or phantom vehicle situations where another driver causes you to crash but cannot be identified. This is one of the most important reasons to carry UM/UIM in Florida.

Q: Do I need to bring my insurance documents with me when I travel?

It’s a good idea to keep your insurance ID card, registration, emergency contact information, and your insurer’s claims phone number handy. Digital copies stored on your phone can also make things easier in a stressful moment.

Q: What should I do if I’m not sure my insurance is enough?

You don’t need to guess. An attorney can help explain your coverage, your limits, and any gaps you may want to address before you travel. A short conversation can help you feel far more prepared and confident.

Q: What if I have more questions or feel overwhelmed by my policy?

You’re not alone—many people feel confused by insurance terms. A qualified legal team can help you understand your coverage so you can travel with peace of mind. Whether you need clarification or a full policy review, help is available.

Driving In Florida This Holiday Season? Make Sure Your Insurance Protects You if a Car Accident Happens

Bryan Greenberg Accident Lawyers

Whether you're heading across the bridge to see family or hopping onto I-75 for a holiday road trip, taking just a few minutes to look over your auto insurance can bring real peace of mind. Many people search for things like “what should I check before a road trip” or “how do I make sure I’m protected if a crash happens,” because deep down, everyone wants to feel secure before starting their journey.

At All Injuries Law Firm, we understand that feeling. For more than 35 years, our attorneys have helped injured people throughout Port Charlotte, Fort Myers, Sarasota, and the surrounding communities work through the emotional and financial stress that follows a serious crash. In many cases, a simple coverage adjustment made before traveling could have protected a family from unnecessary hardship.

If you’ve ever wondered “what insurance should I review before traveling,” this guide walks you through the most important protections — in plain, supportive, easy-to-understand language.

Making Sure Your Uninsured and Underinsured Motorist Coverage Is Ready to Protect You

A question we hear often is: “What happens if an uninsured driver hits me?” Unfortunately, in Florida this scenario is far more common than people expect. That’s why Uninsured/Underinsured Motorist (UM/UIM) coverage is one of the most meaningful protections you can have. It steps in when the other driver cannot.

Over decades of representing thousands of injured clients — and achieving numerous million-dollar recoveries — our attorneys have seen firsthand how UM/UIM can determine whether a family fully recovers or faces overwhelming bills.

Before you head out on your trip, take a moment to check:

Whether UM/UIM is included on your policy
That your limits match your bodily injury liability limits
Whether stacked coverage is an option for you

Even if reading your policy feels intimidating, you’re not alone — our team is always willing to help you review it.

As Attorney Bryan Greenberg often shares with clients preparing to travel:

“When I worked for the insurance companies, I saw firsthand how many good people found themselves unprotected simply because they didn’t realize what their policy was missing. That experience is why I always encourage families to take a moment to look at their UM and UIM coverage before they travel. A quick review now can spare you from a lot of heartache later.” — Attorney Bryan Greenberg, Board-Certified Workers’ Compensation Specialist

Checking Your PIP and MedPay Limits So Medical Bills Don’t Surprise You

Another question people often ask is: “What insurance covers my medical bills after a car accident?”

Florida’s Personal Injury Protection (PIP) is required, but it has limits — and serious injuries can exceed them quickly. Optional Medical Payments (MedPay) coverage helps fill those gaps, easing stress in the moments when families need breathing room most.

Our attorneys, including board-certified lawyers Brian O. Sutter and Bryan Greenberg, have seen how MedPay can help people access care sooner and prevent medical bills from piling up.

As part of your pre-trip checklist, it helps to review:

Your PIP deductible and remaining benefits
Whether you have MedPay and in what amount
Whether all household drivers are correctly listed

These small steps can make a big difference if the unexpected happens far from home.

Making Sure You Have Rental Reimbursement If Your Car Ends Up in the Shop

A common concern we hear after crashes is: “What am I supposed to do without a car?”

Anyone who has ever been left without transportation knows how quickly stress — and expenses — can mount. Rental reimbursement coverage helps bridge the gap so you’re not left scrambling.

Here in Southwest Florida, where traveling between Charlotte, Lee, and Sarasota counties is part of daily life, being without a vehicle can be deeply disruptive. Reviewing this section of your policy now can save you frustration later.

Take a moment to check:

Whether your policy includes rental reimbursement
What your daily limit is
How many days the benefit will last

Attorney Corbin Sutter often reminds families that preparing ahead doesn’t mean expecting the worst — it simply means protecting your peace of mind:

“I’ve grown up inside this firm, and over the years I’ve seen how stressful it can be when a family suddenly finds themselves without a car after a crash. Rental costs add up quickly, especially when you’re far from home. Taking just a moment to check your rental reimbursement coverage can give you real peace of mind if something unexpected happens on the road.” — Attorney Corbin Sutter, Million Dollar Advocates Forum Member

Knowing Whether You Have Emergency Roadside Assistance Before You Need It

No one expects to break down — but when you’re stranded on the shoulder of I-75 or in an unfamiliar area, roadside assistance suddenly becomes priceless.

People often ask: “Is towing covered by my insurance?” or “Do I need roadside assistance for a road trip?” Taking a moment to check now can prevent a stressful moment later.

Look for:

Whether emergency towing is included
If you have battery service, fuel delivery, or lockout help
What your towing mileage or cost limits are

It’s a simple safeguard that travelers often overlook until the moment they need it.

If You’d Like Help Reviewing Your Policy, Our Team Is Here for You

Drivers preparing for a trip often tell us they feel anxious about not knowing whether they’re “properly covered.” That feeling is completely normal — and it’s exactly why we’re here.

At All Injuries Law Firm, we believe peace of mind is a form of victory. And for us, victory isn’t just what happens at the end of a case — it’s helping people feel more secure, more prepared, and more confident before they ever need an attorney.

Our team includes:

Attorney Brian O. Sutter, board-certified since 1990 and serving Southwest Florida for over 35 years
Attorney Bryan Greenberg, board-certified and a former insurance-defense attorney
Attorney Corbin Sutter, Million Dollar Advocates Forum member focused on personal injury cases

As Attorney Jenna Kakley warmly puts it:

“Insurance policies can feel confusing, and many people worry they’ll make the wrong choice. You don’t have to figure it out alone. We’re happy to go through your coverage with you and explain what each part means. Sometimes just having someone in your corner helps you feel more secure before you hit the road.” — Attorney Jenna Kakley

If you’d like us to review your policy before you travel, we’re always glad to help. You can reach us at (941) 625-4878 or visit our offices in Port Charlotte or Fort Myers.

And if the unexpected does happen, we’ll stand by you, fight for your recovery, and celebrate your victory together — right down to the moment you get to bang the victory gong.

FAQs: Practical Tips to Help You Feel Prepared Before You Travel

What insurance should I check before going on a road trip?

It’s smart to review your Uninsured/Underinsured Motorist (UM/UIM), Personal Injury Protection (PIP), Medical Payments (MedPay), rental reimbursement, and roadside assistance coverage. These are the protections that help you most after a crash — especially when you’re far from home. Even a quick glance at your policy can help you avoid surprise expenses later.

How much UM/UIM coverage should I have in Florida?

With many Florida drivers carrying little or no bodily injury insurance, UM/UIM is often your most important safeguard. Ideally, your UM/UIM limits should match your bodily injury liability limits. If you’re unsure what that means, our attorneys can review your policy with you and explain your options in plain language.

Is MedPay worth adding to my policy?

Many Floridians find MedPay extremely helpful. It covers medical bills when your PIP limit runs out — and it pays quickly. If you don’t have strong health insurance or you want to avoid out-of-pocket medical costs after a crash, MedPay can make your recovery much less stressful.

Do I really need rental reimbursement coverage?

If being without a car would disrupt your work, family routines, or travel plans, then yes — rental reimbursement is worth considering. It’s usually inexpensive and can save you hundreds of dollars if your car ends up in the shop after a crash.

Does my insurance cover towing or roadside assistance?

Some policies include towing, battery jump-starts, lockout service, and fuel delivery — others don’t. Before you travel, check your declarations page or call your insurer. If roadside assistance isn’t included, it can usually be added at a low cost.

What happens if I get into an accident out of state?

Your Florida auto insurance typically follows you wherever you travel in the United States. That means your PIP, UM/UIM, MedPay, and liability coverage still apply. The laws of the state where the crash occurs may affect the process, but your coverage stays with you.

Can I still use UM/UIM if the other driver causes the crash but leaves the scene?

Yes. UM coverage can apply in hit-and-run or “phantom vehicle” situations where another driver causes you to crash but cannot be identified. This is one of the most important reasons to carry UM/UIM in Florida.

Do I need to bring my insurance documents with me when I travel?

It’s a good idea to keep the basics handy:

Insurance ID card (digital or printed)
Registration
Emergency contact information
Your insurer’s claims phone number

Digital copies stored on your phone can make things easier in a stressful moment.

What should I do if I’m not sure my insurance is enough?

You don’t need to guess. Our attorneys review policies for people every day, and we’re happy to explain your coverage, your limits, and any gaps you may want to address before you travel. A short conversation can help you feel far more prepared and confident.

What if I have more questions or feel overwhelmed by my policy?

You’re not alone — many people feel confused by insurance terms. Our team is here to help you understand your coverage so you can travel with peace of mind. Whether you need clarification or a full policy review, we’re always glad to walk you through it step by step.