Because even the safest and most cautious drivers are vulnerable to accidents, Florida law requires residents to carry a minimum of $10,000 of property damage liability and $10,000 of personal injury protection (PIP) if they own a motor vehicle in Florida.

Florida law requires you to carry the insurance continuously throughout the licensing and registration period.

Florida law does not require you to buy any insurance except PIP and PDL, but other insurance products can offer increased protection. In fact, to protect their interest in your vehicle, your lender can require you to carry comprehensive and collision coverage until your loan is paid off. The most common types of additional insurance include:

BODILY INJURY LIABILITY

• This coverage pays for death or serious and permanent injury to others when you are legally liable for an accident involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation if you get sued.  Your policy may also cover others who drive your automobile with your permission, and it may cover you or others named in the policy if operating someone else’s vehicle.

COLLISION

• This coverage pays for repair or replacement of your vehicle if it collides with another vehicle, flips over or crashes into an object, regardless of who causes the accident. It does not cover injuries to people or damage to property other than your covered automobile.

COMPREHENSIVE

• Ths coverage pays for losses from incidents other than a collision, such as fire, theft, windstorm, vandalism or flood. It also covers damages caused by falling objects or hitting an animal.

UNINSURED/UNDERINSURED MOTORIST (UM)

• 
  This coverage pays for bodily injuries to  you, your family members and any other person occupying your covered automobile, should they be caused by the negligence of an uninsured or underinsured motorist

There are other additional coverages: Medical Payments, Towing and Rental Reimbursement ask us about these additional coverages.