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 protect you financially 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. Florida is the 8th most expensive state for auto insurance. It's no surprise, since Florida is the third busiest state in the country. This means more drivers on the road and more potential accidents.
From distracted drivers to tourists who aren't familiar with the area, accidents happen frequently. While Florida requires some minimal insurance coverages, they are often not sufficient to cover all damages in the event of a serious accident with injuries. Here are our recommendations for adequate auto insurance coverage in Florida. Car Accidents in Construction Zones: What You Need to Know.
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. In addition to offering affordable insurance for cars and commercial vehicles, Direct Auto also offers customizable payment options. Medical insurance applies regardless of whether the injury occurs in your car or in 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.
Uninsured motorist insurance (UM) pays if you, your passengers, or family members are hit by someone who is “at fault” and has no insurance, or if you don't have enough liability insurance to cover the total damages you suffer. Like an FR44, an SR22 is a certification provided by your insurance company that verifies that you have an insurance policy that meets Florida's minimum auto insurance requirements. Florida is a no-fault state, so the minimum limits for car insurance are different from those in other states. 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.
If you recently moved to Florida, it's best to immediately find an insurance agent who can help you with information about car insurance. An FR44 is an insurance claim that is sometimes referred to as DUI insurance, but it is not a type of 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. Anyone who has a car in Florida for more than 90 days over a 365-day period must purchase a PIP and property damage liability insurance.
Rental reimbursement coverage will allow you to receive a car rental reimbursement if an accident leaves your car unable to drive. This helpful guide provides a more detailed view of Florida's minimum insurance requirements and driving laws, as well as coverage options for personal and commercial vehicles. .