A series of vehicle break-ins in Pembroke Park is raising concerns among residents as police investigate what appears to be a coordinated pattern of burglaries. Authorities say surveillance footage may be key as they work to identify suspects and determine how the incidents are connected.
Police are investigating multiple car break-ins at a Pembroke Park townhouse complex after six vehicles were found with smashed windows. Surveillance shows two masked suspects in the area, and detectives believe the incidents are connected to three other nearby burglaries.
A look at the Top-Three Insurance Policies Available to Florida Motorists
Choosing the right insurance coverage is one of the most important decisions Florida drivers can make—especially in high-risk areas like Miami. Understanding your options not only protects you financially, but also puts you in a stronger position if you ever need to work with a Miami Car Accident Lawyer for Insurance Claims in Florida.
Here are the top three insurance policies every Florida motorist should consider, along with typical price ranges:
1. Personal Injury Protection (PIP) – Required in Florida
Florida is a “no-fault” state, which means your own insurance covers your initial medical expenses after an accident, regardless of who caused it.
What it covers:
- Medical bills (typically 80%)
- Lost wages (typically 60%)
- Essential services (limited)
Coverage minimum:
- $10,000 required by law
Estimated cost:
- $10 to $30 per month (varies by driver and location)
2. Bodily Injury Liability (BI) – Strongly Recommended
While not required for all drivers in Florida, this coverage is critical. It protects you if you are at fault and cause injuries to others.
What it covers:
- Medical expenses for others
- Legal defense costs
- Settlements or judgments
Recommended coverage:
- At least $25,000 per person / $50,000 per accident
Estimated cost:
- $20 to $80+ per month depending on coverage limits
3. Uninsured/Underinsured Motorist Coverage (UM/UIM) – Highly Recommended
Florida has a high number of uninsured drivers. This coverage protects you if the at-fault driver has little or no insurance.
What it covers:
- Medical expenses beyond PIP
- Pain and suffering
- Lost wages
Recommended coverage:
- Match your BI limits if possible
Estimated cost:
- $15 to $50 per month depending on limits
Why this matters
Many drivers don’t realize they are underinsured until after an accident. Having the right policies in place can be the difference between being fully protected or paying out of pocket.
If you’ve been involved in an accident or are dealing with an insurance dispute, working with a Miami Car Accident Lawyer for Insurance Claims in Florida can help you understand your rights, maximize your claim, and deal with insurance companies effectively.