Auto Insurance Resource Center – Auto insurance can be complex and confusing, and a misunderstanding can be quite costly. Learn about the different types of auto insurance, the limits and benefits of each, and how an auto insurance attorney can help guide you through the process of selecting a policy, reviewing a policy, or filing or disputing a claim.
Bodily Insurance – Bodily injury liability insurance covers claims against you by others who have suffered injury or death as a result of your negligence. Learn more about this type of insurance, including what it covers and what it does not cover.
Collision Insurance – This type of insurance can cover the repair or replacement of your vehicle after an accident, regardless of fault. Be sure that you understand the limitations of collision insurance and how it differs from other types of insurance coverage.
What Is Full Coverage? – Full coverage insurance, perhaps unintuitively, provides the minimum coverage required under state law. In Florida, this amount is $10,000 in personal injury protection, and $10,000 in property damage liability. Avoid the pitfall of assuming that “full coverage” is enough to cover an unforeseen car accident.
Property Damage – Under Florida state law, you must carry, and your insurance company must pay, at least $10,000 in property damage liability. This amount covers all damage to another person’s property, such as their car or house, and can be extensive.
Uninsured Motorist Coverage – Although state law requires every motorist to carry a minimum amount of insurance, many drivers do not abide by this law and have no insurance or insufficient insurance. Uninsured motorist coverage protects you in these situations up to the limit of the policy you purchased.
Personal Injury Protection – Personal injury protection (PIP) covers damages arising from an accident regardless of who or what caused the accident. Under state law, you are required to carry a minimum of $10,000 in PIP to have a Florida license plate and vehicle registration.