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Florida Auto Insurance: What Coverage Do I Really Need?

It’s usually said as a joke, but we all know the truth behind it: Florida has some wild drivers on its roads.
With the thousands of drivers in Broward County alone it’s important to make sure you, your family, and
your vehicle are covered properly in the event of an accident. But what exactly is it that you’re “supposed” to have? What is bare minimum and what is “full” coverage? With so many different coverages, how do you know what’s right for you and your family? Well, we at Cover All Insurance Agency hope to shed some light on this for you.

Required Coverage

Florida is one of ten states labeled a “No Fault State.” WHAT DOES THIS MEAN?

It is a requirement of all drivers in the state of Florida to carry Personal Injury Protection (PIP). As the
policy holder you are covered for up to $10,000 for any injuries sustained in an accident — regardless of
fault. There is usually a $1,000 deductible although you can lower or eliminate that deductible by paying
a little bit more in your premium. Meaning whether you are at fault or not, if you’re injured, your policy
pays first. This was done so instead of going through the court system to find fault before any medical
coverage is afforded, the injured party can get immediate coverage after an accident.

The second required coverage is Property Damage Liability. This covers damage you caused if you are
found at fault in an accident. This would cover the other party’s property (their vehicle, mailbox, tree in
their front yard, etc.). The limit for this coverage is $10,000 with a $0 deductible.

Other Coverages

Aside from the required coverages there are several others that you can choose to accept on your auto
policy. Some cover medical type claims while others cover your vehicle.

Bodily Injury Liability, Uninsured Motorist Liability, and Medical Payments all have some aspect of
medical coverage.

  • Bodily Injury Liability can cover the other party’s medical bills in excess of their own PIP once that is exhausted.
  • Uninsured Motorist Liability can cover your own medical bills in excess of your PIP once that is exhausted.
  • Medical Payments is a quick payout for you, family that lives in your household, other drivers on your policy, or passengers in your vehicle at the time of the accident.

Comprehensive and Collision, Emergency Roadside, Towing and Labor, Rental, and Custom Equipment coverages all deal with your vehicle.

Comprehensive and Collision, unless specifically listed as Stated Amount, can cover your vehicle up to actual cash value (ACV) less the deductible.

Emergency Roadside, Towing and Labor, and Rental are all as they sound: from a locked key in your car, to running out of gas on the side of the road, to needing a tow or rental car. These can vary by policy and insurance company so if chosen make sure to read your policy for specific coverage details.

Custom Equipment can cover any enhancements done to your vehicle like a custom paint job or rims.

You can never be too careful or too prepared as a driver in Florida. With the many different coverages at
your disposal it’s important to know what is out there for the taking and what coverages work best with
your specific situation and your family.

We know it can get confusing so feel free to contact us at Cover-All Insurance Agency in Miramar, Florida 954-981-4455 with any questions or concerns or if you simply would like us to review your auto insurance policy with you. We look out for you!coverage

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