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Florida Car Insurance quote, questions and answers.
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What is bodily injury coverage?
- What is PIP?
- What is collision coverage?
- What does uninsured motorist mean?
Bodily Injury Liability
For injuries the policyholder causes to someone else.
Personal Injury Protection (PIP)
For treatment of injuries to the driver and passengers of the
policyholder's car. At its broadest, PIP can cover medical payments, lost
wages and the cost of replacing services normally performed by someone
injured in an auto accident in Florida.
Property Damage Liability
For damage the policyholder caused to someone else's property in Florida.
Collision
For damage to the policyholder's car from a collision. The
collision could be with another car, a light post, fire hydrant, etc.
Comprehensive
For damage to the policyholder's car that doesn't involve a
collision with another car. Covered risks include fire, theft, falling
objects, missiles, explosion, earthquake, flood, riot and civil commotion.
Uninsured Motorist Coverage
For treatment of policyholder's injuries as a result of
collision with an uninsured driver. Underinsured motorist coverage can
also be included in an auto policy. Underinsured motorist coverage comes
into play when an at-fault driver has auto liability insurance, but the
limit of insurance is inadequate to pay for your damages. Maybe common in Florida.
Minimum Coverage
Each state
requires that you have certain types of coverages with minimum liability
limits. The insurance industry recommends that your bodily injury
liability limits be $100,000 per person and $300,000 per occurrence. No bodily injury in Florida.
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