Types of Auto Insurance Available in Florida
At Fearnow, we offer car insurance policies that will meet your needs and financially protect you if you get into an accident. Car insurance coverage options that we offer include PIP, PDL and BDL as well as collision, comprehensive and under and uninsured motorists coverage.
Personal Injury Protection (PIP)
PIP coverage is required by law in Florida and covers medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who was at fault. In general, PIP is designed to pay up to 80 percent of the medical expenses from injuries that occurred during the accident. It typically pays up to 60 percent in lost wages, and it usually pays up to $5,000 in the event that someone lost their life in the accident. It’s important to note that exact amounts will depend on your specific policy.
Property Damage Liability (PDL)
PDL coverage is also required by law in Florida and covers damage to other people’s property, such as their car, fence or mailbox. This insurance applies if you are found to be the at-fault driver. This coverage pays for the repair or replacement of the damaged property.
Bodily Injury Liability (BIL)
While BIL is not required by Florida law, it is still a good idea to have in your car insurance policy. It covers injuries that you caused, as the at-fault driver. This coverage typically applied to the other driver in the car, their passengers or any pedestrians you may have struck with your vehicle.