Florida Auto Insurance Explained

January 16, 2021

Auto insurance in Florida can be confusing.  Which coverages are required?  Which are optional?  How can you best protect yourself using insurance coverage?  Who and what is covered by these different types of insurance?  Here are the ABC’s of auto insurance coverage in Florida:

A = ABSOLUTELY!  Coverages in this category are REQUIRED by Florida Law

Personal Injury Protection (PIP) and Property Damage (PD).

PERSONAL INJURY PROTECTION (PIP)
PIP covers you and pays for the following:

  1. Your medical treatment (80% of medical treatment due to an accident, up to policy limits, generally $10,000).  
  2. Covers your lost wages if you are unable to continue working at your current employment.  It will pay up to 60 percent of wages lost due to an injury sustained in an accident.  
  3. The cost of replacing what is known as “essential services.”  Those are services normally performed by the injured person in daily life, such as housekeeping.
  4. A death benefit of $5,000.

WHAT IS COVERED UNDER PROPERTY DAMAGE (PD)?

Under the required Property Damage (PD) coverage, the property of the other person involved in the car accident or car crash is covered – not you or your property.  PIP covers you; PD covers the property of the other person(s) involved.  PD will pay for the damage caused by your car to someone else’s property, such as another vehicle, a building, a fence, lamp posts, etc.

B = BETTER HAVE!
Although these coverages are not mandatory, they are HIGHLY RECOMMENDED:

Bodily Injury (BI) and Uninsured/Underinsured Motorist (UM).

BODILY INJURY (BI)

While it is not mandated by Florida car insurance laws, you SHOULD have Bodily Injury (BI) and Uninsured/Underinsured Motorist (UM) coverage.  BI provides coverage for damages suffered by the driver(s) and passenger(s) of other vehicles involved in a car accident, along with any pedestrians involved.  Those damages include medical treatment, lost wages due to the inability to maintain current employment, and pain and suffering, both present and future.


UNINSURED/UNDERINSURED MOTORIST (UM) COVERAGE

Uninsured/Underinsured Motorist (UM) is often not purchased because consumers do not understand what this coverage provides.  However, it is arguably the most important type of auto insurance to have.  UM covers you and your passenger(s) for damages resulting from an accident; it pays for medical treatment (after PIP is exhausted), pain and suffering, and lost wages due to the inability to continue working at your current job.  It can be stacking or non-stacking.

For example, if you purchase stacking UM coverage with limits of $100,000/$300,000 and have two cars on the policy, you will have access to coverage of $200,000 per person/$600,000 per accident.  Three cars on that same stacking UM policy would provide coverage of $300,000 per person/$900,000 per accident.

If the policy is non-stacking, the number of cars on the policy does not increase the limits available.

Coverage quiz:

  1. You are rear-ended by a driver who carries only the minimum insurance required by Florida: PIP and PD.  You also have only the required coverages. How much coverage is available to you following this accident?   Answer:  your PIP coverage (usually $10,000) and the other party’s PD coverage to repair your vehicle.
  1. The same scenario as #1 but the other driver also carries BI of $25,000.  Coverage available to you is $35,000 (your PIP plus the other party’s BI) along with the other party’s PD coverage to repair your vehicle.
  1. The same scenario as #2 but you also have non-stacking UM coverage of $100,000.  Coverage available to you is $135,000 (your PIP + other party’s BI + your UM) along with the other party’s PD coverage to repair your vehicle.
  1. The same scenario as #2 but you have stacking UM coverage of $100,000 and 3 vehicles on the policy.  Coverage available to you is $335,000 plus the other party’s PD coverage to repair your vehicle.


Although you can’t control what coverages other drivers have, the examples above illustrate the importance of having UM coverage to protect yourself in the event of an accident.

C = Can Have – These coverages are optional:

Medical Payments (MedPay), Collision, Comprehensive and Rental Reimbursement.

Medical Payments (MedPay) cover the driver and passenger(s) and pays for the 20 percent of medical treatment not covered by PIP.  Collision insurance covers repairs to your car.
Comprehensive coverage pays for repairs to your car that are caused by falling objects, fire, vandalism, contact with animals (such as deer or birds), and natural disasters (such as floods, hail, earthquakes, and windstorms).


Rental reimbursement
has limited coverage for rental vehicles when your car is being repaired due to a covered incident. 
What happens if you fail to carry the coverages required by Florida car insurance laws?  Your driver’s license may be suspended and you may have to pay out-of-pocket for the other party’s damages (medical treatment, lost wages, pain, and suffering).  Those costs can be significant!  To properly protect yourself, call the car crash lawyers of Casas Law in West Palm Beach, Florida.

We offer a FREE INSURANCE REVIEW to help you better understand the insurance coverages you have and what else you may need.  Call us today at 561-655-8444 to schedule an appointment and receive an insurance cardholder as our gift to you when you come in.

Remember, if you don’t carry UM insurance and the “at fault” driver has no bodily injury coverage, there is no compensation for your medical treatment after PIP is exhausted and no compensation for your pain and suffering.  Let us help you ensure that you’re properly insured! Get on contact with the Casas Law West Palm Beach Attorneys.

WHAT OUR CLIENTS ARE SAYING

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Alex and his team are well versed in personal injury law. They are open, honest, and always put the client first.
Tom Shea
Tom Shea
20:37 11 Aug 21
Alex Casas and his team knew just the right approach for my suit and handled it with tact and care. Alex is one of the nicest lawyers I've met - no ego-- no pontificating -- no showing us how important he was. Alex got right down to business, with a smile on his face, and completed our claim quickly, achieving the results we wanted. Thank you, Alex, Susie and Staff.
Jann Seal
Jann Seal
16:16 06 Jul 21
"A steady, reassuring and calming voice when you need it most." Alex Casas and his team are great. My situation was very complicated since I was dealing with a number of insurance companies and multiple hospital bills! The team at Casas Law worked with all the various factors and made everything seamless as well as keeping me informed the whole way. I would not have known how to maneuver the insurance waters so I was very glad that Alex was there for me. I would highly recommend Casas Law, Alex, Susie and the whole team.
Bob Going
Bob Going
14:39 08 Jun 21
I was recommended to Alex Casas by my father and I am absolutely ecstatic with how simple and easy he made my auto collision injury case for me he handled everything to where all I had to do was show up and sign on the line! I’d recommend him to anyone!
Dylan Lower
Dylan Lower
17:02 05 Feb 21
I am very pleased with the assistance from Casas Law P.A and will recommend this firm to anyone and everyone that needs help. They are very professional and friendly and go above and beyond the call of duty. Thank you so much for all your help.
Jeff Pickett
Jeff Pickett
16:46 10 Nov 20
Alex Casas is by far the most present and engaged attorney with whom I have had the pleasure of working. The staff is caring and pleasant. The response time is extremely fast. And he is good at winning! Thank you for all you have done for us over the years! I highly recommend Casas Law!
Meroe Rabieifar
Meroe Rabieifar
17:55 18 Sep 20
Alex and his team were my rock after I was hit by a car while riding my bike. They were able to direct me with medical care questions, advocate on my behalf with insurance companies, and really listen on days where I had pain and was completely frustrated with my insurance company and their lack of response. Highly recommend!!!!
Kelly Givens
Kelly Givens
14:47 18 Sep 20
Alex and his staff were very helpful very personable and attentive to my every question I highly recommend them and I am very happy with my service but I got from them.
joseph Olivier
joseph Olivier
00:08 16 Sep 20
Alex Casas Law firm is a great. Every time I came in contact with Mr. Casas and his staff they were always professional and friendly. My whole process was a great experience. They always return calls in a timely manner. The staff goes above and beyond what is needed. They kept me informed during the whole process. If you are looking for a great law firm and I really mean and great firm this is the place to go!!!!
Jeff hopkins
Jeff hopkins
18:18 28 Jul 20
Alex is a gentleman. He is kind, professional, attentive, and extremely competent. His staff is wonderful and I have no hesitation in recommendingThe office to anyone.
Helen Berg
Helen Berg
19:13 10 Jun 20
Alex always takes the time to communicate all the information about my case, until I fully understand all the details. I am extremely happy with his law firm.Andre
andre guionnaud
andre guionnaud
02:19 09 Jun 20
Alex Casas was both professional & friendly. I felt comfortable that I was going to get a good out come with Mr. Casas working for me. He kept me informed through the entire process, with a very good ending. I would use him again.
Larry Brixner
Larry Brixner
16:52 08 Jun 20
Extremly Professional and on point!
Rick Hackeman
Rick Hackeman
16:13 08 Jun 20
Alex was a true professional and handled my case with the focus and attention it deserved. I would definitely use Casas Law again for any representation I may need again in the future.
Frank Buttaravoli
Frank Buttaravoli
17:44 25 Aug 19
Alex Casas was referred to me by a friend who spoke highly of him and his work. As I met with him I quickly realized my friend was right. He was knowledgeable, personable, truthful and had my family's best interest. His compassion and patience before, during, and after my case sets him and his staff apart from other law offices. Those qualities are hard to come by. When you hire him you will find for yourself.
scott poritz
scott poritz
21:30 12 Jun 19
I was referred to Alex after being hit by a car while riding my bike. His help and guidance through a very difficult time has been a gift. I was hurt, scared, and lost as to what I needed to do. Alex was a light in a time of confusion and injury. Do not hesitate to reach out to him when you need assistance. He and his team will be there and you will be their priority.
Kelly Givens
Kelly Givens
20:14 10 Sep 18
confiabilidad y experiencia
Rolando Casas
Rolando Casas
21:03 09 Sep 18
Alex took the time needed with my family and we received the compensation we wanted! A++++
Johnny H. Meier
Johnny H. Meier
04:14 08 Sep 18
Alex is very helpful when it comes to complex issues involving someone that has been wrongfully injured by the negligence of another person or business. Thank you Alex for always being available to answer questions.
Chris Shelby
Chris Shelby
14:13 05 Sep 18
Alex is a great attorney. He is honest and caring. He treats you like family which was extremely important to me.
Bridget Ortiz
Bridget Ortiz
15:07 04 Sep 18
Alex is a wonderful attorney with great experience and work ethic. I knew that my case was in very capable hands. He did not let me down and I would strongly recommend him!
Alina Maria Margiotta
Alina Maria Margiotta
01:53 01 Sep 18
What a great lawyer and even better man. It is very comforting to know that no matter what time you call for Alex you know your call will be answered by him not some associate. He knows what he is doing and will get the job done. I would highly recommend Alex.
Renee Cicchitti
Renee Cicchitti
23:19 30 Aug 18
Alex was very hands on and knowledgeable about our case. Was able to get us fair and more compensation for the accident than expected. Thank you for being there!
johnny meier
johnny meier
15:44 24 Aug 18
Alex Casas and his firm are a great resource to individuals who have been hurt or injured by no fault of their own. He will give you honest and clear advice and direction if you have a personal injury.
Ryan Smollar
Ryan Smollar
15:28 20 Aug 18
Sabrina A
Sabrina A
13:19 20 Aug 18
Alex has helped me and my family with some major issues. He is great to work with because you are dealing directly with the attorney, not someone else. He is honest and truthful. I would refer anyone to him should the need arise for his specialty !!
Mark Elie
Mark Elie
21:12 17 Aug 18
Alex Casas is one of the finest lawyers and finest people I know. He fights for his clients. Always trying to do what is best for them. If you need a lawyer, hire Alex.
Sean Domnick
Sean Domnick
19:42 17 Aug 18