Car Insurance Florida Types

Beyond the mandated coverages there are optional coverages that can help protect yourself and your vehicle. If you do not need the coverages on your current car, it is still wise to know what coverages are available to you if you change vehicles or want to upgrade your auto insurance coverage. Florida law only requires a motorist to purchase personal injury protection (PIP) and property damage liability (PDL). Other coverages are optional, unless the FL Department of Highway Safety and Motor Vehicles requires you to meet certain financial obligations by purchasing more coverage.

The types of optional insurance available in Florida include:
·Bodily Injury Liability
·Collision· Comprehensive
·Uninsured/Underinsured Motorist Bodily Injury
·Medical payments
·Travel Protection Plan
·Hospital Indemnity
·Towing
·Rental reimbursement
·Accidental Death and Dismemberment

Collision coverage pays for repair or replacement of your vehicle if it collides with another vehicle, flips over or crashes into an object. Comprehensive coverage pays for losses from incidents other than a collision. Uninsured/Underinsured motorist (UM/UIM) bodily injury pays for injuries to you, your family and other people in your vehicle if they are caused by the negligence of an uninsured or underinsured motorist.

Medical Payment is a type of optional coverage that pays for medical expenses for accidental injury, up to the limit of your policy. Medical payment insurance covers you whether you are in your own vehicle or someone else’s automobile.

Towing and road service is an additional item that some insurance companies sell with insurance policies. Read the towing policy carefully though because some insurance companies can cancel your policy if you have too many towing claims, even if you did not have any accidents.

Rental reimbursement is another additional item that goes beyond car insurance. If another driver causes the accident, the at-fault party’s liability coverage may reimburse you for renting a vehicle so check with their coverage before using your own. Sepeda motor injeksi irit harga terbaik cuma honda