If you’ve been involved in a Florida automobile accident, you may be looking for coverage information. Below is some quick information to help understand insurance coverage requirements in the state of Florida.
Is your vehicle properly insured in the state of Florida? Auto insurance companies offer many different levels and types of coverage options. In the state of Florida, it is mandatory for all registered vehicles to have a minimum coverage of $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL).
- Liability Coverage – In Florida, an automobile owner is required to have the basic minimum liability insurance. Liability insurance typically covers property damage and injuries to other people involved in the accident if you are at fault. Liability property damage covers repairs or replacement of items damaged in the accident. Your vehicle is not covered under liability policies.
- Collision Insurance – Collision insurance covers the damage that happens to your own vehicle. After an accident, your insurance company will assess your vehicle’s damage and will make a decision to pay to fix your car or total it.
- Comprehensive Insurance – Comprehensive coverage covers your vehicle from claims that are not a result of a car accident. It normally covers losses due to fire, vandalism, theft, and natural disasters.
- No-fault Insurance – In Florida, the no-fault law basically deals with medical payments. This is when the insurance company covering you will pay for your bodily injury claims no matter whose fault it was in the accident. The damage done to your vehicle is typically and should be covered by the driver who is at-fault in the accident. In Florida, the no-fault insurance law requires that you must have received a very serious injury or major disfigurement and or even death before a claim can be made.
- Personal injury coverage – Personal injury protection covers you while in your vehicle or while you’re in someone else’s vehicle. Accidents that happen in the state of Florida personal injury covers you and the other members of your household as well as some licensed drivers who may drive your car with your permission. It only covers you and the members of your household when a crash or accident happens outside the state of Florida.
- Uninsured and Underinsured Coverage – Uninsured and/or Underinsured insurance coverage covers you for your injuries and damages to your vehicle if the other person in the accident is at fault and has no insurance.
- Supplemental Insurance – Supplemental insurance is when you have added on coverage for things like towing, rental cars, and roadside repairs.
It is very important that you be properly insured when driving an automobile in the state of Florida. You should review your insurance coverage with your insurance agent every several years to ensure you are properly insured.
