When it comes to your liability protection, full coverage has a different meaning. Full coverage means you have a policy that offers the minimum protection under Florida law. Considering that more than half of the people who drive in Florida don't have coverage or have minimal coverage, the car insurance policy you choose can have serious implications if you get into a car accident. Rental reimbursement coverage will allow you to receive a car rental reimbursement if an accident leaves your car unable to drive.
SR22, an insurance application that certifies bodily injury liability (BIL) and property damage liability (PDL) to meet the reinstatement requirements of the Florida Financial Responsibility Act. This insurance is also called “no-fault” insurance because it covers the costs related to the accident, regardless of who is at fault. Since the state is a no-fault state, your insurance company can cover expenses related to damage caused by anyone driving your car and any medical expenses you may incur. These prices are just estimates based on the rates of an average Florida driver and should not be used to compare insurance prices.
Although not required by law, many drivers take out other types of insurance coverage besides mandatory PIP and property damage liability insurance. BIL pays for the serious and permanent injuries or death of other people when your car is involved in an accident and the driver of your car is determined to some extent to be at fault. Insurance companies evaluate individualized factors, such as the driver's age, zip code, driving history, credit score, and more when calculating insurance premiums. As a no-fault state, Florida's auto insurance laws state that all drivers who operate a motor vehicle must have at least the minimum coverage requirement.
However, some insurance companies may offer PIP insurance and medical payment insurance for motorcycles as additional coverage that can be purchased. Medical insurance applies regardless of whether the injury occurs in your car or someone else's car, or on the street when you are a pedestrian. Collision insurance pays for repairs to your car if it collides with another vehicle, hits an object, or rolls over. The purpose of property damage liability insurance is to cover any property damage caused by your car in the event of an accident.
This applies whether you're riding in your car, riding in someone else's car, or getting hit by a car when you were a pedestrian. Anyone who has a car in Florida for more than 90 days over a 365-day period must take out PIP and liability insurance for property damage.