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Auto Insurance FAQs

What are my Florida auto insurance coverage options?

Choosing your auto insurance policy means choosing from a wide range of coverage’s that protect you, your family and your vehicle.  The State of Florida is a “No Fault” insurance state and does have mandatory minimum coverage requirements.  Be sure to check out our articles on “No Fault” and “Florida Auto Insurance Minimums” in addition to the information below.

Some of choices will include the following coverage options:

Bodily Injury and Property Damage Liability – Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone’s property, up to the limit of liability you select.

Comprehensive and Collision – Pays to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage up to the limits you select.

With Collision coverage, your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.

With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply.

Uninsured/Underinsured Motorist – Several coverages can help protect you if you are hit by someone who doesn’t have insurance, or doesn’t have enough insurance. Here’s how these coverages generally work (keeping in mind that policies and the law vary by state):

Uninsured Motorist Bodily Injury – This may pay for damages when a covered person is injured and the person at fault for the accident does not have liability insurance.

Underinsured Motorist Bodily Injury – This may pay for damages when a covered person is injured and the person at fault for the accident does not have enough liability insurance.

Uninsured/Underinsured Motorist Property Damage – This may pay for damages when a covered vehicle is damaged and the person at fault for the accident does not have liability insurance or does not have enough liability insurance.

Medical Payments – Medical Payments coverage pays the cost of necessary medical care you receive as a result of an auto accident and can be used regardless of who is at fault.

Custom Parts and Equipment/Accessory Coverage – When you purchase Comprehensive & Collision Coverage, you may also decide to include additional coverage for custom installed parts and accessories.

Rental Car Reimbursement – Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage. Daily rental amounts are subject to the limit purchased.

Roadside Assistance – Provides towing to the nearest qualified repair facility and covers a specified amount of the necessary labor at the place of breakdown when your automobile is disabled due to any covered reason.

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