Optional Florida Auto Insurance Coverage
July 1, 2022
Minimum Florida auto insurance coverage only has two requirements: $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). Bodily injury liability insurance is not required to drive an automobile in Florida, but drivers are bound to comply with Florida’s financial responsibility statutes.
Florida Financial Responsibility Law requires owners or operators of motor vehicles to be financially responsible for damages and injuries caused to others in an auto accident. The failure to be financially responsible following an accident may result in the loss of driving privileges in Florida.
Under Florida Statue 324.023 following conviction of D.U.I. or following fault in a serious accident, drivers may be required to file documents of insurance certification. To better protect yourself, we recommend adding the appropriate limits of bodily injury liability protection to your portfolio.
How does PIP coverage work in Florida?
Agents recommend most drivers consider purchasing higher liability limits. Only meeting minimum coverage limits could leave you with hefty out-of-pocket expenses should you cause an accident or collided with an uninsured motorist in the Sunshine State. The intention of personal injury protection (PIP) insurance in Florida is to ensure drivers have up to $10,000 of immediate medical coverage without an injured driver having to go through the court system. PIP is designed to cover 80 percent of medical bills incurred following an accident.
Florida PIP insurance can also be applied to cover lost wages and death benefits or at-home services related to the accident like doing laundry, house cleaning, or pet care. Although the maximum PIP coverage in the state is $10,000 but drivers seeking additional liability amounts can elect MedPay to ensure that 100% of medical bills are paid up to the established coverage limits. Whereas your PIP insurance pays the first 80 percent of medical bills,* it can be followed by your primary health insurance.
Auto Insurance to Protect Your Financial Future
To protect yourself and your financial assets from an unexpected accident, it is important to have the right Florida auto insurance coverage. Check out the other types of car insurance that can make sure you are properly covered:
- Bodily Injury Liability – covers injuries that people may have received as a result of a car accident that was your fault.
- Collision Coverage – pays for the repair (or cash value) of your vehicle if you collide with another vehicle, flips over, or contacts another object.
- Medical Payments – go toward paying medical bills and expenses for you and your passengers in the event of a car accident.
- Uninsured Motorist – allows you to collect amounts you would have received from the at-fault if they had insurance or sufficient coverage.
In addition to the policy options discussed above, comprehensive auto insurance protects your vehicles from auto theft, acts of nature, and other non-collision damage, such as hail storms, floods, and hurricanes. Other common add-ons include paying for roadside assistance or provisions for providing a rental car while your car is being repaired.
At Nsurance Nation, our agents understand that everyone has unique needs. That’s why we are dedicated to helping you select the right optional Florida auto insurance coverage to protect your hard-earned assets. Put our 35 years of experience to work for you today. Use this website’s Click Here for Quotes option or call us direct at 1-833-450-9490.
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