
Types of Auto Insurance Coverage in Florida
Florida’s financial responsibility law mandates that drivers cover costs associated with accidents they cause. Most drivers meet this requirement by purchasing auto insurance. Driving without proof of insurance may lead to fines, license suspension or vehicle impoundment.
What Types of Auto Insurance Are Available in Florida?
Florida requires all vehicle owners to have certain types of insurance. These policies may handle accident-related costs and differ from those in at-fault states. The focus is on covering your own expenses instead of seeking compensation from the person responsible for the accident. The state mandates two types of coverage:
- Personal injury protection (PIP) may cover medical expenses and lost wages for you and your passengers, regardless of who caused the accident.
- Property damage liability may cover damage you cause to another person’s property, such as their vehicle or a fence.
In addition to the mandatory protections, you can modify your policy and select other types of essential coverage:
- Bodily injury liability may pay for injuries or death that you cause to others in an accident.
- Collision coverage may pay for damage to your vehicle after a collision, regardless of who is at fault.
- Comprehensive coverage may cover damage to your vehicle caused by noncollision events, such as theft, vandalism or hitting an animal.
- Uninsured/underinsured motorist coverage may cover medical expenses, lost wages and other losses if you get in an accident with a driver without insurance or insufficient coverage.
- Medical payments coverage may help if your PIP limits are exceeded. This may pay for medical expenses for you and your passengers following an accident.
Learn More
Contact Bacon Insurance today to learn more about available coverage options. We can help assess your auto insurance needs and build your ideal policy.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
Categories: Auto Insurance, Blog