Florida requires drivers to carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability coverage.
Basic Liability Coverage
Drivers in this state are legally required to carry Florida auto insurance with at least the basic property damage liability coverage. This type of insurance covers the other driver’s property in the event of a collision for which you are at fault. Most serious collisions are far more expensive than that though, so it's a good idea to consider additional coverage. However, Florida does not require bodily injury liability coverage. This means that if you are at fault in an accident and the other driver incurs accident-related medical expenses, your insurance would not cover any of it. Bodily injury liability insurance is highly recommended in Florida so you will be covered in case of an at-fault accident.
Personal Injury Protection
In Florida, all drivers are legally required to purchase personal injury protection, or PIP. This covers the majority of medical expenses for you and your passengers, regardless of who is at fault in an accident. This coverage also covers, in part, lost wages, all replacement services such as child car, housekeeping or lawn work. It also provides a death benefit.
Comprehensive and Collision Coverage
Adding comprehensive and collision protection to your policy is a smart move. A comprehensive and collision policy will cover your property repair and replacement costs following an accident - not just the other driver's - and you can even add rental car coverage. Comprehensive coverage applies to things like fire, theft, vandalism and other types of damage, as well. If you're worried about the monthly payments, Acceptance has you covered. You can always choose a higher deductible to lower your policy premiums.
Uninsured Motorist Coverage
If you want to know that you're covered in the event of an accident, regardless of the other driver's insurance status, you will need to add uninsured motorist coverage to your Florida auto insurance policy. This type of coverage will protect you from the high costs of medical bills and repairs resulting from collisions with drivers who were not carrying insurance, or who had inadequate coverage for the scope of the damage. Acceptance Insurance offers a range of uninsured motorist coverage to suit your needs.