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FAQs
What is Liability Coverage?
Liability coverage protects you if you’re responsible for causing bodily injury or property damage to others. It includes:
✅ Bodily Injury Liability (BIL): Covers medical costs, lost wages, and legal fees if someone is injured in an accident you cause.
✅ Property Damage Liability (PDL): Pays for damage to another person’s property, such as their car or home.
📌 Florida law requires all drivers to carry Property Damage Liability (PDL) coverage.
🚫 What’s NOT Covered?
❌ Vehicles you or your family own but haven’t listed on your policy
❌ Vehicles with fewer than four wheels
❌ Injury claims from household members
What is Personal Injury Protection (P.I.P.)?
Personal Injury Protection (P.I.P.), also known as no-fault insurance, covers medical expenses and lost wages for you, your family, and certain passengers after an accident, no matter who is at fault.
✅ Coverage Includes:
🔹 80% of medical expenses
🔹 60% of lost wages
🔹 Essential household services
🔹 Death benefits (if limits allow)
📌 Florida law requires all drivers to have P.I.P. coverage.
🚫 What’s NOT Covered?
❌ Injuries in vehicles you or your family own but haven’t listed on your policy
❌ Injuries to vehicle owners who must have their own P.I.P. coverage
What is Medical Payments Coverage (MedPay)?
MedPay acts as a supplement to P.I.P., covering additional medical costs in situations where P.I.P. may not fully reimburse your expenses.
🚫 Exclusions: Similar to liability coverage restrictions.
What is Uninsured/Underinsured Motorist Coverage (UM/UIM)?
This coverage protects you if you’re hit by a driver who has little or no insurance. It applies in cases where:
✔ The at-fault driver has no liability insurance
✔ The at-fault driver’s coverage is not enough to cover your damages
✔ You are injured in a hit-and-run accident
📌 Types of UM/UIM Coverage:
🔹 Stacked Coverage: Combines limits from multiple insured vehicles for greater protection.
🔹 Non-Stacked Coverage: Offers a set limit per accident, regardless of how many vehicles you own.
What is Collision Coverage?
Collision coverage helps repair or replace your vehicle if it’s damaged due to:
🚗 A crash with another car
🚧 A rollover
🛑 Impact with an object (like a guardrail or tree)
What is Comprehensive Coverage?
Comprehensive coverage protects your vehicle from non-collision incidents, such as:
🔥 Fire
🛑 Theft
🌪 Weather damage (hail, floods, falling objects)
🚫 What’s NOT Covered?
❌ Undeclared sound systems, electronics, or custom modifications
❌ Radar detectors
❌ Tapes, CDs, or other media stored in your vehicle