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Auto Insurance Quick Facts: Types of Coverage in Florida

By: RLaw as Blog Post

Since FL law only requires PIP coverage, many people don’t realize their insurance doesn’t provide the coverage they need until it’s too late. Here are a few things you need to know about accident coverage in the state of Florida.

Types of auto insurance coverage in florida

  • Personal Injury Protection (PIP): This goes toward Lost Wages and Medical Expenses in the event of an accident. By law it’s on your policy and covers people in your car who are injured. State legislature only requires Florida drivers to carry $10,000 of PIP.
  • Bodily Injury (BI): Covers the people injured in our car other cars if you cause the accident. Studies show that close to 25% of Florida drivers don’t have BI or enough BI coverage on their policy.
  • Uninsured or Underinsured Motorist (UM/IUM): Covers you if the person at fault for the accident is uninsured/underinsured. It also covers you in cases of hit and run.
  • Collision or Property Liability: Helps you repair the car/vehicle/property in an accident or if you hit a fence or other object. PIP does not cover repairs to your car or property.

 

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