1. No-Fault Car Insurance. Car Insurance companies must provide $10,000 of Personal Injury Protection (PIP) with every policy. PIP insurance covers your medical bills (up to 80%) and lost wages (up to 60%) up to the first $10,000 regardless of fault in the accident (Florida No-Fault).
2. Property Damage (PD) minimum $10,000. Currently, Florida law requires consumers to carry a minimum of $10,000 property insurance coverage. PD covers property damage expenses suffered by the other driver if you cause the accident.
1. Bodily Injury (BI). BI covers economic and non-economic damages suffered by injured parties if you are at-fault. If you purchase BI, the minimum coverage available is $10,000. Comment: BI should be required under Florida law. BI is designed to protect you from personal liability if you are at-fault. Consumers should purchase BI coverage based on their earnings and net worth. The equation is simple; the more you have, the more coverage you need to protect your family.
2. Uninsured/Underinsured Motorist (UM). UM coverage protects you if you are hurt thru no fault of your own. If a consumer elects UM coverage they must purchase amount equal to or less than their BI coverage. Comment: Since Florida does not require drivers to purchase BI, the result is more uninsured drivers. UM will step in to pay you for your economic and non-economic damages if you or your family is hurt. You should purchase UM coverage based on a high estimation of your earnings and net worth.
Optional Coverages (cont.):
1. Medical Payments (Med Pay): covers medical, dental, hospital, and funeral expenses for the insured regardless of fault.
2.Stacking: This coverage multiplies your policy limits for each coverage by the number of cars under the policy (in the household).
Example: if you have 2 cars in your household, your UM and/or BI coverage of $100,000(per person)/$300,000(per occurrence) would double to $200,000/$600,000.
Commentary: Protecting you and your family.
1. Purchase UM. If you are injured in a car accident UM will protect you if the at-fault is underinsured. In Florida, it is common to see at-fault drivers without sufficient insurance because of the State's weak requirements. If you are seriously injured by a driver with little or no car insurance UM can provide the money you need to protect your family, home, and maintain your life.
2. Purchase/Increase BI coverage. BI protects you and your family if you injure another person in a car accident. If you are at-fault and seriously hurt another driver or passenger and have inadequate BI you may be personally liable for damages. BI protects your asset.
3.Test your Insurance Agent. If your agent suggests that you should purchase BI and/or UM then you should fire that agent immediately. Protecting your family, yourself, and your assets must always be your top priority. If your car insurance agent does not care about that then it is time to move on to someone that will.
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