The Different Florida Auto Insurance Covers

by | Jul 2, 2024 | Insurance

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If you are in Naples, nicknamed Naples on the Gulf, in the U.S. state of Florida, it is important that you know the different auto insurance coverage, what they include, and if they are mandatory under Florida law.

The PIP (Personal injury protection) policy is mandatory under Florida law. This insurance takes care of ‘necessary and reasonable’ medical expenses when you or passengers are injured during an accident. The insurance also covers your relatives. PIP covers up to 80% of all medical expenses, it covers up to 60% of disability costs if an injured party is not able to work and it pays off $5,000 or the rest of the unused personal injury protection per individual in case of death.

The property damage liability policy will cover damage to a third party’s property while the policyholder is driving an automobile. This auto insurance policy, like PIP, is also mandatory under Florida law. The property could be a car, a fence, or a home. The insurance will also cover the legal costs associated with the damage.

The bodily injury liability auto insurance policy is an optional policy that will cover any injury you inflict on others while driving an automobile. This policy ensures you are not sued. It covers medical expenses, pain and suffering, lost wages and legal defense in case you are sued.

The medical or personal injury policy will cover treatment of the policyholder and the passengers he/she is carrying in case of an accident. The auto insurance policy is optional. Other than taking care of doctor visits, it also covers dental treatment, professional nursing service, hospitalization, prostheses, and funeral expenses in case of fatality. You will get paid even if you were at fault. The policy will cover you and your family even if you are riding on another car and if a car hits you while you are cycling or you are on foot.

The collision policy covers you from any loss you may incur resulting from an accident. The policy covers you if you collide with another vehicle or an object. The policy also covers damage from the car flipping over and potholes.

The comprehensive auto insurance policy covers your car from damage other than damage caused by collision. The damage could be as a result of a fire, a storm, or a flood. This cover is optional.

The uninsured motorist coverage covers your medical treatment if you are involved in an accident and the at-fault driver is not insured. There is also an under-insured policy, which covers you if you are not the at-fault driver and the at-fault driver is under-insured. Note that you will pay the amount over the limit once the insurance company settles the bill with these auto insurance policies.