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
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 care, 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.