In Florida, there are a few different types of car insurance coverage that are required by law. These include bodily injury liability, property damage liability, and personal injury protection. You may also want to consider adding additional coverage such as collision or comprehensive insurance.
Bodily injury liability covers the medical expenses of anyone who is injured in an accident that was your fault. Property damage liability covers the repairs or replacement of any property that was damaged in an accident that was your fault. Personal injury protection pays for your own medical expenses after an accident, no matter who was at fault.
Collision and comprehensive insurance are not required by law in Florida, but they can provide additional protection for your vehicle if it is damaged in an accident or stolen. If you have a loan on your car, your lender may require you to carry these types of coverage.
When choosing car insurance coverage, it is important to consider how much risk you are willing to accept. For example, if you live in a high-crime area or frequently drive in areas where accidents are more common, you may want to purchase higher limits of liability coverage than the state minimums.