In addition to basic PIP coverage, you can buy insurance that covers additional medical bills under a medical payment rider. The medical payment rider kicks in to cover additional medical bills up to your policy limit after your PIP insurance is exhausted. There’s also optional coverage in case you’re in an accident that falls outside Florida’s no-fault system. There’s bodily injury coverage in case you’re at fault for an accident where someone else gets catastrophically hurt. There’s also uninsured or underinsured coverage in case the other side is at fault, but they don’t have bodily insurance coverage to compensate you. Both types of insurance keep you protected as you travel in Florida.