Florida Auto Insurance Coverage

Understanding Your Options for Insurance Coverage in Florida

A typical auto insurance coverage policy in Florida has various different coverage types. Understanding the coverage available in Florida ensures maximum protection for you and your loved ones. Unfortunately, a lot of consumers believe they are fully covered and blindly trust that their insurance agent will effectively handle all of the details of their policy. However, we work with all too many clients that do not have the full coverage they thought they had following their accident, or who became disappointed that their insurance agent was "not on their side." This is why it is critical to review the terms of your policy as well as speak with a seasoned personal injury attorney should you have questions about the role your insurance plays in the event of an accident.

Cutting Through the Jargon

Understanding auto insurance options in Florida is crucial, so you can protect both yourself and your family by purchasing what is necessary for full coverage. To help insurance consumers choose the right auto insurance coverage in Florida, the seasoned personal injury attorneys at Greenberg, Stone & Urbano, P.A. wish to help you cut through the jargon by providing the brief summaries of key coverage types below. Please note that this summary does not constitute a complete description of your options and does not qualify as legal advice.

Key Auto Insurance Coverage Types

  1. Personal injury protection (PIP) - Florida law requires drivers to maintain Personal Injury Protection ("PIP") coverage, which is also known as “No Fault Insurance.” PIP provides injured drivers up to $10,000 in immediate medical coverage in lieu of establishing fault through the court system. PIP coverage provides payment for the injured person's own medical expenses plus lost wages arising from an accident. A typical policy pays for 80% of an injured person's medical expenses and 60% of lost wages up to $10,000.00. PIP coverage also contains a $10,000 death benefit for fatal car accidents. Generally, benefits are for a named insured and the insured’s resident family.

  2. Extended PIP - Extended personal injury protection is optional and increases the benefits paid for medical expenses from 80% to 100%, and for lost wages from 60% to 80%.

  3. Liability coverage - This coverage insures against legal liability when the insured negligently causes bodily injury or property damage in an accident. Under most liability insurance agreements, the insurer agrees to provide coverage for, and defend the insured against, liability claims. It is common for the liability policy to include separate stated coverage amounts for bodily injury and property damage. Typically, the insured pays separate stated premiums as well. Coverage limits usually range from $10,000.00 up to $300,000.00.

  4. Medical payments coverage - Medical payments coverage (a/k/a "Med Pay") is voluntary coverage, and unlike PIP, it is not required under Florida law. Med Pay coverage supplements PIP benefits so that more of an insured's medical costs can be paid, up to policy limits. Likewise, Med Pay coverage provides expanded coverage for injuries not encompassed under your basic PIP policy.

  5. Uninsured motorist coverage - Many agree uninsured motorist coverage (a/k/a "UM coverage") is the most significant voluntary coverage for Florida residents. Uninsured motorist coverage provides benefits (up to your policy amount) for bodily injury caused by negligence of a driver who is uninsured or insured at insufficient policy limits. Improperly insured motorists on Florida's roadways are not uncommon, so UM coverage is essential to those seeking "full coverage." Insurance providers must offer consumers UM coverage as part of the insurer’s suite of automobile insurance policies, and you must sign off on a rejection of UM coverage if you do not want it to be included in the policy.

  6. Physical damage coverage - “Physical Damage Coverage” is a general term for insurance designed to provide benefits when there is damage to the insured’s vehicle. Benefits are usually payable irrespective of fault. Physical damage coverage is divided into two general categories: comprehensive coverage and collision coverage. Collision insurance provides protection for your vehicle if it is damaged in an accident involving a collision or impact with another vehicle or object. Comprehensive insurance provides protection for your vehicle if it is damaged by something other than a collision, such as if your vehicle is stolen. Comprehensive coverage is commonly referred to as an "all-risks policy."

  7. Additional coverage - Other coverage to consider, and which is commonly available, is coverage for incidental expenses like towing and rental car fees if you are in an accident. You need to specifically request this coverage as it may or may not be automatically included within your policy.

Contact Our Skilled Personal Injury Lawyers Today To Schedule Your Free Consultation

The Personal Injury Lawyers of Greenberg Stone & Urbano, P.A. have over 100 years of combined experience representing clients in nearly every area of the law. Our successful attorneys have helped thousands of individuals file insurance claims and fight for the compensation they deserve for their injuries. Due to their dedication and top tier legal representation, our attorneys have earned the title “Superlawyers,” which ranks them as among the best lawyers in America. The lawyers of Greenberg Stone & Urbano, P.A. have also been rated “AV” by Martindale Hubbell and have been elected “South Florida’s Top Rated Lawyers” by the Miami Herald. They are also invited members of Primerus, an international society of leading law firms. Call Greenberg Stone & Urbano, P.A. today to schedule your free consultation to discuss your legal claim with one of our qualified car accident attorneys. You may contact us through our website or call us at (888) 499-9700 or (305) 595-2400.