Understadning Auto Insurance
Personal Injury Protection (PIP Insurance Florida)
Personal Injury Protection (PIP) is a core part of Florida’s no-fault auto insurance system. It helps cover medical expenses and certain financial losses after a car accident, regardless of who caused the crash.
PIP coverage typically pays for:
- Medical bills related to accident injuries
- A portion of lost wages
- Replacement services for tasks you can’t perform due to injury
Florida drivers are required to carry a minimum of $10,000 in PIP coverage.
Property Damage Liability (PDL Insurance Florida)
Property Damage Liability coverage pays for damage you cause to someone else’s property in an accident.
This includes damage to:
- Another vehicle
- Buildings or structures
- Fences, signs, or other property
Florida law requires at least $10,000 in Property Damage Liability insurance.
Bodily Injury Liability Coverage
Bodily Injury Liability insurance covers injuries or death you cause to others when you are at fault in an accident.
This coverage can help pay for:
- Medical expenses for injured parties
- Lost wages
- Legal defense costs
- Pain and suffering claims
Collision Coverage
Collision coverage pays for repairs or replacement of your vehicle after a crash, regardless of who is at fault.
Collision coverage applies to:
- Accidents with other vehicles
- Single-car accidents
- Hitting objects like poles, trees, or guardrails
Collision insurance is often required if your vehicle is leased or financed.
Comprehensive Coverage
Comprehensive auto insurance covers vehicle damage caused by non-collision events.
This includes:
- Theft
- Vandalism
- Fire
- Flooding and hurricane damage
- Falling objects
- Animal collisions
Comprehensive coverage is especially important in Florida due to weather-related risks.
Uninsured and Underinsured Motorist Coverage
Uninsured/Underinsured Motorist coverage protects you if you’re injured by a driver who has no insurance or insufficient coverage.
UM/UIM coverage may pay for:
- Medical expenses
- Lost income
- Pain and suffering
Florida has one of the highest rates of uninsured drivers, making this coverage particularly valuable.
Medical Payments Coverage (MedPay)
Medical Payments coverage helps pay medical expenses for you and your passengers after an accident, regardless of fault.
MedPay can help cover:
- Deductibles
- Copays
- Medical expenses not fully covered by PIP or health insurance
Rental Reimbursement Coverage
Optional coverage
Rental reimbursement insurance helps pay for a rental car while your vehicle is being repaired after a covered auto insurance claim.
Roadside Assistance Coverage
Optional coverage
Roadside assistance provides help if your vehicle breaks down or leaves you stranded.
Services often include:
- Towing
- Battery jump-starts
- Flat tire changes
- Lockout assistance
- Fuel delivery