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When a legal problem hits, most people don't know where to turn — or who to trust. At Call Kovar, we believe you shouldn't have to figure that out alone.

10/14/2026

Having insurance doesn’t always mean having enough insurance.

If an at-fault driver’s Bodily Injury (BI) limits aren’t enough to fully compensate you for your injuries and damages, your own Uninsured/Underinsured Motorist coverage may provide additional protection.

You may see the terms UM and UIM used interchangeably. In Florida, UM coverage generally includes protection when the at-fault driver has no BI coverage or has BI limits that are insufficient to cover your damages.

Call Kovar Tip: When reviewing your auto policy, don’t just ask whether you have UM coverage—check your limits too. The amount of coverage can make a major difference after a serious accident.

📞 727-827-7777
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10/12/2026

You can do everything right behind the wheel — and still be hit by someone who has no insurance at all.

That’s where Uninsured Motorist (UM) coverage can make a huge difference. UM coverage can help protect you when an at-fault driver has no bodily injury liability insurance or in certain hit-and-run situations.

Call Kovar Tip: Don’t just look at the price of your auto policy. Check your UM limits and understand what protection you actually have before you need it.

📞 727-827-7777
🌐 callkovar.com

10/09/2026

🚗 Know Your Coverage: Personal Injury Protection (PIP)

Did you know that PIP covers your medical bills and lost wages after a Florida car accident—regardless of who caused the crash?

But there's one important catch...

⏰ You generally must seek medical treatment within 14 days of the accident to preserve your PIP benefits. Waiting too long could jeopardize your ability to have your medical expenses covered.

Even if you think your injuries are minor, it's important to get evaluated as soon as possible. Some injuries don't show symptoms until hours—or even days—later.

💡 Knowing your coverage before an accident happens can save you time, money, and unnecessary stress.

If you've been injured in a crash and have questions about your insurance or your rights, Call Kovar is here to help.

🌐 CallKovar.com
📞 727-827-7777

10/07/2026

🚗 Know Your Coverage: Property Damage (PD) Liability

If you cause an accident, Property Damage (PD) Liability coverage helps pay for damage to someone else's property—most commonly their vehicle, but it can also cover things like fences, buildings, mailboxes, or other structures.

In Florida, drivers are required to carry at least $10,000 in Property Damage Liability coverage. But with today's repair costs, that minimum may not go as far as you think.

💡 A newer vehicle can easily cost far more than $10,000 to repair or replace. Reviewing your coverage now could help protect your finances later.

Do you know how much Property Damage coverage you carry?

If you've been involved in an accident or have questions about insurance coverage, Call Kovar is here to help.

🌐 CallKovar.com
📞 727-827-7777

10/05/2026

🚗 Know Your Coverage: Bodily Injury (BI) Liability

Many Florida drivers are surprised to learn that Bodily Injury (BI) Liability coverage isn't required for everyone. That doesn't mean you should go without it.

If you cause an accident that injures someone else, BI coverage can help protect you from paying medical bills, lost wages, and other damages out of your own pocket. Without it, your personal assets could be at risk.

Do you know if your auto policy includes BI coverage? It may be worth taking a few minutes to check.

📞 Have questions about insurance after an accident? The team at Call Kovar is here to help.

🌐 CallKovar.com
📞 727-827-7777

10/02/2026

🚔 What if the other driver says, “We don’t need to call the police”?

Don’t let someone else make that decision for you.

Even a seemingly minor accident can turn into a major disagreement later. The other driver may admit fault at the scene—then tell their insurance company a completely different story.

Having law enforcement respond can help create an independent record of the crash and document important information while everyone is still at the scene.

Protect yourself. Call 911, document the accident, and don’t let the other driver pressure you into handling it “between yourselves.”

And if you’ve been injured, Call Kovar.

📞 727-827-7777
🌐 callkovar.com

09/30/2026

📸 After an accident, your phone can be one of your most important tools.

Photos and videos can preserve details that may disappear within minutes. Vehicle damage, debris, skid marks, traffic signals, road conditions, license plates, and even visible injuries can all become important evidence later.

Don’t just take one picture. Get wide shots of the entire scene, close-ups of the damage, and photos from multiple angles. If you’re able, take a video of the scene as well.

Once the vehicles are moved and everyone goes home, you may never get another chance to capture exactly what was there.

If you’ve been injured in an accident, Call Kovar. Let us help protect your rights from the start.

📞 727-827-7777
🌐 callkovar.com

09/28/2026

🚗 After an accident, don’t leave the scene without the information you may need later.

In the stress and confusion following a crash, it’s easy to forget important details. Take a few minutes to gather the other driver’s information, vehicle and insurance details, witness contact information, and anything important about the scene.

📱 A simple tip: Use your phone. Take pictures of licenses, insurance cards, license plates, vehicle damage, and the surrounding scene so you aren’t relying on memory later.

The more information you have, the easier it may be to establish what happened and protect your claim.

If you’ve been injured, Call Kovar. We’re here to help.

📞 727-827-7777
🌐 callkovar.com

09/25/2026

🚔 Should you call the police after a car accident? In most cases, yes.

Even when a crash seems minor, having law enforcement respond can create an important record of what happened. Officers can document the scene, identify the drivers and witnesses, note potential violations, and arrange medical assistance when needed.

That documentation can become especially important if the other driver changes their story or liability is disputed later.

When in doubt, make the call. And if you’ve been injured in an accident, Call Kovar.

📞 727-827-7777
🌐 callkovar.com

09/23/2026

🚗 An accident can happen in seconds. What you do next matters.

From protecting your health to protecting a potential injury claim, taking the right steps immediately after a crash can make a big difference.

Get to safety. Call 911. Document the scene. Get checked out. And if you’ve been injured, Call Kovar.

We can help you understand your rights, deal with the insurance companies, and determine what compensation may be available.

📞 727-827-7777
🌐 callkovar.com

Address

1045 9th Avenue North
Saint Petersburg, FL
33705

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+17278277777

Website

http://www.callkovar.com/

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