Personal injury protection (PIP) is mandatory coverage in no-fault states. It's often called “no-fault insurance” because it helps cover your medical expenses and those of your passengers after an accident up to the limits of your policy, regardless of who is at fault. The “limit” is the maximum amount your insurance company will pay for covered medical expenses. This is where bodily injury liability (BIL) coverage can help.
BIL can financially protect you if you cause a car accident that injures another person. You can pay for your medical expenses and, if necessary, your legal services. If you take out bodily injury liability coverage, your policy must include coverage for uninsured drivers (UM) within the same limits as your bodily injury liability coverage. UM can protect you if you are involved in a hit and run or in an accident with an at-fault driver who doesn't have enough insurance to cover your damages.
You have the right to deny UM coverage as long as you do so in writing. If you don't decline Unified Messaging, you have the option to purchase non-cumulative (limited) Unified Messaging coverage at a reduced rate. This means that you will only have the UM coverage limits that apply to a car, typically the one involved in the accident. Insurance requirements vary depending on the size and type of vehicle.
However, most commercial vehicles in Florida are legally required to meet the following combined minimum levels of personal injury liability insurance and property damage liability insurance. There's a big difference between how much car insurance Florida drivers should have and how much they actually need to have to truly protect themselves and their families. The following explanation is provided to demystify your insurance options and to help you understand why certain types of insurance are the best way to protect yourself and others. In addition to offering affordable insurance for cars and commercial vehicles, Direct Auto also offers customizable payment options.
An FR44 is an insurance claim that is sometimes referred to as DUI insurance, but it is not a type of insurance. And as is often the case, the other driver who caused the accident has no insurance or has the minimum insurance coverage required by Florida law. The question of how much car insurance to buy is difficult to answer because it becomes a personal decision, which is often based on the finances of each individual or family. Choose the amount of the down payment, the monthly payment and the day of the month the payment is due, and save even more with car insurance discounts*.
UM insurance coverage covers your damages if you have an accident and the negligent driver doesn't have liability insurance for bodily injury (uninsured motorist) or doesn't have enough BI to reimburse your losses (underinsured motorist). Non-standard car insurance is an option for drivers that some insurance companies consider “high-risk”. In a no-fault state, every person injured in a car accident files a claim with their own insurance company and depends on their coverage to pay for their medical expenses. When I hear a prospective car accident client tell me this, I shudder because I know that, approximately 50 percent of the time, I will discover that their insurance coverage is anything but comprehensive.
The fact that Florida is a no-fault state when it comes to auto insurance means that all Florida drivers must purchase personal injury protection (PIP) insurance to cover their own medical bills after an accident, regardless of who was at fault...