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Auto Insurance Florida

Auto insurance Florida made simple | Lower the cost of your auto insurance Florida, get better rates from local carriers today. Did you know that there are dozens of insurers ready to offer you auto insurance Florida quotes? Find the best rates for your location according to driver profile and coverage needs.

Auto Insurance Florida
Your auto insurance Florida coverage needs can seem complicated. Florida operates under a no fault system and determining what auto insurance Florida coverage you must or should have can be confusing.

auto insurance Florida quotes

There are two mandatory coverages required by the law and other optional (non mandated) coverages, some of which are almost de facto requirements on account of the auto insurance Florida system that means driving without them is a serious financial risk. Better quotes go far beyond the minimum coverage required by law. 

Auto Insurance Florida Coverages

Auto Insurance Florida Coverage

 

Mandatory:

  • Personal Injury Protection (PIP) $10,000
  • Property Damage Liability (PDL) $10,000

Optional:

  • Bodily Injury Liability (BIL)
  • Un/Underinsured Motorist (UM)
  • Medical Payment or Medical Expense (Med Pay)
  • Collision Coverage (COL)
  • Comprehensive Coverage (COMP)
  • Rental Reimbursement
  • Towing and Labor

 

Auto Insurance Florida Coverage Summary

Insurance Florida

Personal Injury Protection (PIP)

PIP auto insurance Florida pays for a driver/passengers medical expenses incurred as a result of an auto accident, regardless of who was at fault or legally liable.

AKA no fault Insurance it applies to bodily injury that you the insured person sustained, including injuries sustained by household relative or passenger/s not required to have their own PIP and licensed drivers operating your auto with permission.

PIP auto insurance Florida also pays if you are injured by a motor vehicle as a pedestrian or cyclist. PIP does not compensate for pain and suffering. The dollar amount of PIP coverage is $10,000, wholly inadequate in many cases, one reason for the de facto requirement for additional BIL coverage.

Property Damage Liability (PDL)

Protects you from the consequences of legal liability. PDL auto insurance Florida pays for the damage that you cause to another person's property whilst operating a motor vehicle.

Property damage auto insurance Florida covers your own liability if you collide with and damage another person's auto or other property.

Bodily Injury Liability (BIL)

Protects you from the consequences of legal liability. BIL auto insurance Florida coverage pays others for bodily injury or fatalities arising from a motor accident where you were at fault.

Florida drivers can sue for serious injuries if certain conditions are met. BIL covers you against claims for serious and permanent injury and/or fatality inflicted. It covers the claimant's medical expenses, pain and suffering and lost wages. It also assists with your legal defense.

Your auto insurance Florida company will payout for the injuries up to the limit of your policy and legal representation if you get sued. Covers injuries caused by you or family members residing with you even if the vehicle driven was someone else's.

BIL is not a legally mandated auto insurance Florida requirement (although it can become so for you if convicted of DUI or other scenarios), however the Florida Financial Responsibility Law does require that a person who causes an accident provide financial cover of a minimum $10,000 per person and $20,000 per accident.

The law requires auto owners/operators to provide evidence of financial responsibility, meaning that they have funds to pay for losses for which they may become liable. BIL auto insurance Florida is the normal method for evidencing.

Un/Underinsured Motorist (UM)

Auto insurance Florida Uninsured Motorist coverage pays for your own injuries (and in certain cases property damage) caused by an uninsured or a hit-and-run driver. Underinsured motorist coverage is included in some cases where the at-fault driver does not hold enough insurance.

Serious injury can require ongoing and expensive medical treatment. Given the fact of so many uninsured drivers, and the lack of legal requirement to hold BIL, it is essential to hold UM coverage to protect yourself and family from the financial consequences of an accident that is not your fault.

Uninsured motorist auto insurance Florida does NOT cover damage done to your own vehicle. Purchasing UM auto insurance Florida requires that you also purchase BIL of equal or higher limit. UM goes beyond PIP to cover 100% of medical bills, lost wages and pain and suffering up to the limit purchased. Essential for those looking to be fully covered.

Medical Payment or Medical Expense (Med Pay) 

The purpose of Med Pay auto insurance Florida is to supplement PIP. It ensures that your own medical expenses are paid 100% up to the policy limit. Certain situations not covered by PIP may be included.

Collision Coverage (COL)

Auto insurance Florida collision covers repair or replacement costs for your own vehicle after an accident or collision with an object regardless of fault. With auto insurance Florida collision cover, if an accident was not your fault then you have the choice of making a claim on your own collision coverage or pursuing the at fault motorist's insurance to cover your loss.

Comprehensive Coverage (COMP)

Pays for non collision damages to your car including fire, hurricane, flood, vandalism and theft. Covers the cost of repairs or replacement at market value. Drivers with low valued autos (e.g. less than $2,500) may achieve low cost auto insurance Florida quotes by dropping COL and COMP.

Auto Insurance Florida Quotes

All told understanding auto insurance Florida quotes can be difficult. The auto insurance Florida no fault system combined with other state motoring dynamics makes for a relatively complicated and risky insurance scenario. Compared to many states there are a high number of uninsured and potentially underinsured drivers on the road. When coupled with the fact that auto insurance Florida law does not make carrying Bodily Injury Liability insurance a mandatory requirement, in Florida there is a serious risk that no monies would be available to you as compensation for injury sustained in an auto accident. In order for a driver to avoid this risk and be properly protected there is a de facto requirement to purchase one's own Bodily Injury Liability and Un/Underinsured Motorist coverage. Solid auto insurance Florida coverage is a necessity. Florida ranks as one of the worst states for road safety with dense population areas and many international tourist drivers on the road. PIP and property damage limits that insurers are prepared to pay can quickly evaporate after even a minor accident. Because of the necessity for increased protection, auto insurance Florida companies often include BIL coverage with their auto insurance Florida quotes by default.











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