Property Damage Liability

Property damage liability coverage is part of a car insurance policy. It helps pay to repair damage you cause to another person's vehicle or property... It typically helps cover the cost of repairs if you are at fault for a car accident that damages another vehicle or property such as a fence or building front.

🗸 Florida law requires you to have Property Damage Liability coverage.
🗸 It helps pay to repair damage you cause to another person's vehicle or property.

Personal Injury Protection

Personal injury protection, also known as PIP coverage or no-fault insurance, covers medical expenses regardless of who's at fault. It can often include lost wages, too. Depending on the state where you live, PIP may be an available insurance coverage or a required policy add-on.

🗸 Florida law requires you to have Personal Injury Protection coverage
🗸 This covers you, your family members and certain others, for bodily injuries resulting from auto accidents, without regard to fault.

What Does Personal Injury Protection Car Insurance Cover?

This car insurance coverage applies even if you’re not driving. For example, if you’re injured after getting hit by a car while walking, your PIP coverage may help pay for your injuries.

🗸 Medical Expenses: On top of covering medical bills for you and your passengers after a car accident, PIP coverage may even help cover your health insurance deductible.
🗸 Work Loss: If you’re injured in an accident and have lost wages because you’re out of work, your PIP coverage can help. This benefit can also
apply if you’re self-employed and need to hire temporary workers to perform tasks.
🗸 Funeral Expenses: Your PIP coverage can help pay for funeral, burial or cremation expenses after a car accident.
🗸 Survivors’ Loss: If you pass away in an auto accident, your PIP insurance can help replace your lost income for your surviving dependents.
🗸 Essential Services: Your PIP insurance can also help pay for services that you’d normally perform if you weren’t injured, like childcare and housecleaning.

Comprehensive and Collision

Comprehensive and collision insurance

The main difference between comprehensive and collision insurance is the scenarios they cover. Collision insurance pays for damage to your car if you hit an object or another vehicle, while comprehensive coverage pays for theft or damage from causes such as bad weather, fire or fallen trees.

Collision This is the definition of collision coverage

🗸 Damage to your car in an accident you cause.
🗸 Damage to your car if you hit an object such as a fence or pole.
🗸 Damage to your car if someone else hits you. Another option in this case is to make a claim against the other driver's liability insurance.

Comprehensive This is the definition of comprehensive coverage

🗸 Weather such as tornadoes or hail.
🗸 Floods.
🗸 Fire.
🗸 Falling objects.
🗸 Explosions.
🗸 Crashes with an animal, such as striking a deer.
🗸 Riots and civil disturbances.
🗸 Vandalism.

You should consider buying comprehensive and collision insurance if:

🗸 You took out a loan to buy it. Your lender or leasing company probably requires you to carry specific limits (500 or 1,000 on the deductibles).
🗸 You couldn’t afford to replace or significantly repair your car if you crashed it or someone stole it.

Bodily Injury Liability

If you cause a car accident that injures another person, bodily injury liability coverage helps pay for their medical expenses and lost income as a result of their injuries.

Uninsured Motorists Coverage

This coverage pays for bodily injuries to you, resident relatives and certain others, resulting from the negligence of others. It pays when the at-fault party has: no liability insurance, or liability coverage with limits not adequate to pay for the damages incurred, or if injuries result from a hit-and-run vehicle.

Fortunately, there are car insurance coverage types that alleviate this problem: Uninsured motorist (UM) coverage and underinsured motorist (UIM) coverage pay for medical bills and other expenses for you and your passengers if you’re in a car accident caused by:

🗸 A driver who doesn’t carry any liability car insurance
🗸 A driver who doesn’t have enough liability insurance to cover your medical bills
🗸 A driver whose insurance company denies coverage or goes out of business

Uninsured motorist coverage can pay for:

🗸 Medical bills
🗸 Lost wages if you can’t work because of the car accident
🗸 Pain and suffering compensation
🗸 Funeral expenses