Florida Car Insurance with Personal Injury Protection (PIP)
Personal injury protection (PIP) insurance covers you regardless of whether you cause an accident (meaning you are "at-fault") -- up to $10,000 minus your deductible amount. PIP is designed to reduce the necessity of suing for reimbursement of medical and related bills from auto accidents. PIP pays:
• 80% of reasonable medical expenses related to the accident
• 60% of lost wages as a result of the accident
• $5,000 for death benefits
Car Insurance Coverage for Jacksonville and all Florida Cities
For accidents that happen in Florida, PIP covers you, relatives who live in your home, certain passengers who do not own a vehicle, and others who drive your car with your permission. Pedestrians and bicyclists are also covered if they are Florida residents. PIP coverage also provides coverage for acts of violence against the policyholder while driving including injuries sustained as a result of road rage or a car-jacking.
For accidents that happen outside Florida but inside the U.S. or Canada, PIP covers you and relatives who live in your home. In this case, you must be driving your own vehicle. Persons other than you or your relatives are not covered. Property Damage Liability Insurance pays for damage you, or members of your family, cause to another person’s property while driving. The term "property" includes, for example, a fence, telephone pole or building, as well as another car.
Coverage applies even if you drive someone else's car. Depending on the terms and conditions of your policy, it may also include anyone else who uses your car with your permission.
Florida Car Insurance After DUI
Bodily Injury Liability coverage (BIL) is generally not required in Florida. However, if you have been convicted of a DUI, BIL is required for a period of three years after your license has been reinstated. If you were convicted on or before October 1, 2007, you must get a minimum of $10,000 worth of coverage per person and $20,000 worth of coverage per incident. If you were convicted after October 1, 2007, you must have $100,000 worth of coverage per person and $300,000 worth of coverage per accident.
Companies with Florida Car Insurance with Understandable Terms
BIL pays for serious and permanent injury or death to others when your car is involved in an accident, and the driver of your car is found to be at fault to some extent. This policy pays for injuries caused by you and relatives who live with you, even if they are driving someone else’s car. It also covers people who drive your car with your permission. BIL coverage applies only after PIP benefits are exhausted. With this type of policy, the insurance company will also pay for your legal defense if you are sued.
All auto insurance policies must include a summary and an outline of coverage in clear understandable terms. Along the side of our website we now have a recommendation for Florida Car Insurance quotes.
