Frequently Asked Legal Questions

Property Damage Coverage:

This covers your legal liability for damage to the property of others. Florida law requires you carry this coverage.

Bodily Injury Liability Coverage:

This is optional coverage to cover your legal liability for bodily injury to others in case of an accident.

Personal Injury Protection:

This covers you, your family and certain others for bodily injuries resulting from auto accidents, without regard to fault. Payments are for 80% of medical expenses, 60% for loss of income, replacement household services and (if the limit has not been exhausted by other benefits) a death benefit. Personal injury protection is also required under Florida law. The principal exclusions for this coverage are injuries sustained in autos you or family members own which have not been specifically covered under the policy, and injuries to other vehicle owners required by law to have their own coverage.

Medical Expense Coverage:

This coverage supplements the medical expenses reimbursement of PIP coverage and provides basic coverage in situations where PIP does not pay.

Uninsured Motorists Coverage:

This coverage pays for bodily injuries to you, family members and certain others, resulting from the negligence of others. It pays when the at-fault party has no liability insurance, or liability coverage with limits not adequate to pay for the damages incurred, or if injuries result from a hit-and-run vehicle. Your coverage may be "stacked" or "non-stacked". The principal difference between these two forms is that the total amount of protection under the stacked form is the sum of the limits applicable to each vehicle insured, whereas under the non-stacked form, the limit stated applies per accident regardless of how many vehicles you own or insure.

Collision:

This covers damage to your car resulting from upset or impact with another object.

Comprehensive:

This covers damage to your car resulting from fire, theft and other direct losses not excluded. The principal exclusions are for damage to certain electronic and sound equipment; tapes and other media; radar detectors; undeclared camper bodies; and van or pickup customized equipment.