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Optional Coverage for Florida Auto Insurance

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Here's what you need to know...
  • Florida is a “no-fault” state
  • Drivers in Florida are required to carry personal injury protection and property damage liability
  • There are at least four other vitally recommended, additional coverage you should consider in Florida
  • Roadside assistance, towing, and accidental death are other coverage options to look into as well

When it comes to car insurance, every state in the U.S. has some minimum requirements as well as some optional insurance coverages. Florida is no exception. In that state, drivers are required to carry a certain amount of liability coverage on their vehicles in order to register them and drive them on the public roads.

Any other optional coverage a driver chooses to purchase is entirely up to them. We’ll discuss both the state-mandated limits and optional coverage in this article.

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It is important to note that Florida is considered a “no-fault” state. This means that each driver is covered under his or her own policy regardless of anyone else involved in the accident.

No-fault states generally restrict civil litigation in relation to automobile accidents.

However, in some cases, accident victims can still sue other drivers for extreme negligence. These awards may be capped in some no-fault states, according to the legal statute.

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Minimum Coverage in Florida

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In the state of Florida, all drivers must carry personal injury protection (PIP) and property damage liability (PDL) coverage on their vehicles. PIP covers medical expenses and lost wages incurred by you or your passengers during an accident.

PDL coverage pays for property damage caused by your vehicle. In both cases, the minimum amount of coverage is $10,000 per accident. You can certainly increase this amount should you feel it necessary.

Although it is possible to register and drive your car with just the state-mandated minimums, it is not necessarily a wise idea to do so. One of the optional coverage that is always a good idea to carry is protection against underinsured/uninsured drivers.

This coverage protects you in case you are ever involved in an accident with a person who is carrying inadequate insurance or no insurance at all. In such cases, accident victims may try to recover their costs through your insurance carrier. That’s when this type of insurance is important.

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Common Optional Coverage

In addition to coverage for underinsured/uninsured drivers, some of the most often used coverage options include:

Collision insurance covers you against financial loss in the event your car is damaged in an accident.

Collision coverage will generally either pay for repairs or for full replacement of your vehicle, plus any rental cars you might need until your vehicle is repaired or replaced.

Comprehensive car insurance is designed to cover any losses incurred that are not the result of a traffic accident. For example, your car may be severely damaged during a storm, destroyed by an engine fire, or stolen by thieves.

Comprehensive coverage takes care of all of these things in the same way a collision policy would provide for damage caused during an accident. It’s important to note that comprehensive coverage usually will not protect the contents of your vehicle. That’s usually the domain of your homeowner’s insurance.

Additional medical payments coverage can be purchased above and beyond what is included in your state-mandated coverage. This additional coverage pays hospital and medical costs and in some cases even funeral costs, for anyone who would normally be covered on your policy.

Medical payments insurance would not necessarily kick in until your minimum PIP coverage is exhausted. In some cases, your health insurance must also be utilized before your additional medical payments coverage.

Other Optional Coverage in Florida

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Florida drivers do have several other options for coverage that are less commonly used. Two examples are:

These two options are becoming more and more popular as an alternative to traditional organizations like AAA.

They do not add significantly to your total premium cost and can be very affordable when compared to an automobile club membership. Some nationally known insurance providers are even including this service with their minimum liability policies.

Another optional coverage that is slowly gaining ground in the United States is for accidental death. This additional coverage differs slightly from additional medical payments coverage in that it pays a one-time benefit for an accidental death due to a car accident.

It is very similar to an accidental death and dismemberment rider on your homeowner’s policy. People are opting to include this as part of their car insurance because it ensures that they will have money for funeral expenses, should the worst happen.

Whether you need just the state minimums or additional coverage, you can begin your search for car insurance quotes by entering your ZIP code into our FREE search tool below.

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