David R. Heil P.A.

Personal Injury Attorney in Orlando

Call Me for a FREE Consultation 24 HRS A DAY (800) 952-1622
  • Orlando
    (407) 326-2517
  • Winter Park
    (407) 599-2100
  • Melbourne
    (321) 327-2944
  • DeLand
    (386) 736-9000
  • Home
  • About
  • Free Consultation
  • Practice Areas
    • Auto Accident
    • Bicycle Accidents
    • Boating Accidents
    • Brain Injury
    • Burn Injury
    • Defective Product
    • Dog Bites
    • Epcot Injury
    • Homeowner’s Cases
    • Hurricane Claim Attorney
    • Insurance Claim
    • Legal Consultations
    • Bus Accidents
    • Medical Malpractice
    • Motorcycle Accidents
    • Neck and Back
    • Nursing Home Neglect
    • Pedestrian Accidents
    • Pharmacy Negligence
    • Pool Accident
    • Scooter Injuries
    • Slip & Fall
    • Spider Bites
    • Trucking Accidents
    • Theme Park Accident
    • Walt Disney World Injuries
    • Workers’ Compensation
    • I-4 Express Lane Accident
  • Results
  • FAQ
  • Contact Me
FREE CONSULTATION - NO FEE UNLESS WE WIN

Updating Your Insurance Policies

January 7, 2018 by David R. Heil, PA

Time to check and update your insurance policies

Insurance Coverages

The New Year is a good time for resolutions and for doing a review of your insurance policies. This may save you from a nasty surprise in case of a loss. Many people I speak with tell me that they have “full coverage” usually that means the full required insurance, but actually it’s simply the minimum coverage allowed. A few minutes now may save you a lot of misery later.

Auto insurance:

Personal Injury Protection (PIP): This insurance pays 80% of your medical bills after an accident. This is required, but you may still have a deductible. If you have a deductible, get rid of it.

Medical Payments (Med Pay): This is an optional coverage, it would pay the leftover 20% from PIP and then pay additional medical bills up to the limit of coverage. You should have at least $10,000.00.

Underinsured/Uninsured Motorist Coverage (UM): This is also an optional coverage. It covers you in the event that you are injured by a driver with no bodily injury coverage. (Bodily Injury coverage is not required in Florida.) You should have at least $20,000 but I would recommend at least $100,000.00.

Home insurance:

Water damage: Policies are now being written with water damage exclusions or low limits on water damage claims. A water loss can easily do $50,000 to $100,000 damage to your home. If you have a water damage exclusion or low limit have this eliminated.

Mold damage: Like water damage, policies are now being written with mold damage exclusions or low limits on mold damage claims. Mold also can easily do $50,000 to $100,000 damage to your home. If you have a mold damage exclusion or low limit have this eliminated

Dogs: Many policies are now written with dog bite exclusions. If you have a dog you need to have this coverage.

Flood Insurance: Homeowners policies do not cover floods, which is interpreted as any ground water intrusion. You must buy a separate policy for this.

Finally, if you have Peoples Trust Insurance, get another company immediately. It is absolutely the worst company to deal with and requires you to use their own company to repair your home. This company Rapid Response has in every instance I have seen uses substandard materials and workmanship. They will only take orders for repairs from the insurance company and you will not have any input into how your own home is repaired.

I will be happy to review your policy for free, please contact us today at (407-599-2100) or email (david@heil-law.com) if you have any questions.

Share on Facebook Share
Share on TwitterTweet
Share on Pinterest Share
Share on LinkedIn Share
Share on Digg Share

Contact Me

Call for a FREE CONSULTATION 24x7: (800) 952-1622
Winter Park: (407) 599-2100 | DeLand: (386) 736-9000 | Melbourne: (321) 327-2944 | Orlando:(407) 326-2517

Practice Areas

  • Auto Accidents
  • Bicycle Accidents
  • Boating Accidents
  • Brain Injuries
  • Burn Cases
  • Defective Products
  • Dog Bites
  • Epcot Injuries
  • Free Legal Consultation
  • Homeowner’s Cases
  • Insurance Claim Disputes
  • Lynx Bus Accidents
  • Medical Malpractice
  • Motorcycle Accidents
  • Neck & Back Injuries
  • Nursing Home Neglect
  • Pedestrian Accidents
  • Pharmacy Negligence
  • Pool Accidents
  • Slip & Fall Injuries
  • Theme Park Accidents
  • Walt Disney World Injuries
  • Workers Compensation

David R. Heil P.A.

David R Heil, P.A.I am a trial attorney with over 35 years of experience in civil trial law. Your case will not be handled by an investigator, paralegal or case manager. I will personally meet with you to discuss your case at one of my offices, the hospital or your home. Legal information is available.

David R. Heil, PA

Request a FREE CASE REVIEW

  • This field is for validation purposes and should be left unchanged.

Why Choose David R. Heil, PA?

  • check-24No Fee Unless We Win
  • check-2435+ Years of Experience
  • check-24Free Consultation
David R. Heil, P.A., Attorneys & Lawyers, Winter Park, FL

Recent Blog Entries

  • Orlando Amusement Park Accidents
  • Personal Injury Attorney in Winter Park, FL
  • Orlando I-4 Express Lane Safety Tips That May Help Avoid Car Accidents
  • What is an Unsafe Lane Change in Melbourne, Florida?
  • What Should a Pregnant Woman Do After a Slip and Fall Accident?

Quick Links

  • About David R. Heil
  • Case Results
  • Contact Our Firm
  • FAQ
  • FREE CONSULTATION
  • My Blog
  • Office Locations
  • Practice Areas
  • Testimonials
  • My YouTube Channel
appstorebutton googleplaybutton
facebook-white google-plus-white twitter-white

David R. Heil, P.A., Attorneys & Lawyers, Winter Park, FL
Best Personal Injury Attorneys in Orlando


David R. Heil, PA - Better Business Bureau A+ Rated - Office Locations

Winter Park - 2324 Lee Road Winter Park, FL 32789 Phone: (407) 599-2100

Melbourne - 1900 S Harbor City Blvd, Suite 219, Melbourne, Florida 32901 Phone: (321) 327-2944

Orlando - 121 S Orange Ave Suite 1596, Orlando, FL 32801 Phone: (407) 326-2517

Areas Served in Central Florida

  • Apopka
  • Altamonte Springs
  • Brevard
  • Casselberry
  • Central Florida
  • Clermont
  • Cocoa Beach
  • Daytona Beach
  • DeBary
  • DeLand
  • Deltona
  • East Orlando
  • Florida
  • Lake Buena Vista
  • Lake Mary
  • Longwood
  • Malabar
  • Melbourne
  • Merritt Island
  • New Smyrna Beach
  • Orange City
  • Orlando
  • Palm Bay
  • Rockledge
  • Sanford
  • Satellite Beach
  • Space Coast
  • Titusville
  • Viera
  • Winter Park
  • Winter Springs

Important Note

The hiring of a personal injury lawyer is an important decision and should not be based solely upon advertisements. Before you decide, ask me to send you free written information about my qualifications and experience.

This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

Similar successful monetary results may not be seen by all clients seeking representation from Heil Law for accident or injury claims as each case is different. These results also reflect amounts awarded prior to deductions for attorney's fees, medical bills, and other court costs.

Copyright © 2023 David R. Heil, PA – Injury Attorney - Terms of Use - Privacy Policy - Accessibility Policy -  Sitemap Design and Marketing by Orange Rock Media