What Does Auto Insurance Cover?

Auto insurance helps protect drivers financially if they are involved in an accident or if their vehicle is damaged.

A typical auto insurance policy may include:

• Personal Injury Protection (PIP)
• Property Damage Liability (PDL)
• Bodily Injury Liability
• Collision coverage
• Comprehensive coverage
• Uninsured / Underinsured motorist coverage
• Medical payments coverage

In Florida, most drivers are required to carry minimum coverage including:

• $10,000 Personal Injury Protection (PIP)
• $10,000 Property Damage Liability (PDL)

What Is “State Minimum” Auto Insurance in Florida?

“State minimum” auto insurance refers to the minimum coverage required by Florida law to register and operate a vehicle.

For most Florida drivers, the minimum required coverage is:

• $10,000 Personal Injury Protection (PIP)
• $10,000 Property Damage Liability (PDL)

This type of policy is often called PIP and PD only or minimum coverage insurance.

While this meets the legal requirement to register a vehicle, it may provide limited financial protection in many accident situations.

What Does Florida State Minimum Insurance Cover?

A Florida minimum policy generally includes two types of coverage.

Personal Injury Protection (PIP)

Florida is considered a no-fault insurance state, which means drivers must carry Personal Injury Protection coverage.

PIP may help cover:

• A portion of medical expenses after an accident
• A portion of lost wages
• Certain accident-related expenses

PIP coverage generally applies regardless of who caused the accident, subject to policy limits and conditions.

Property Damage Liability (PDL)

Property Damage Liability helps pay for damage you cause to another person’s property.

This may include:

• Damage to another vehicle
• Damage to buildings or structures
• Damage to fences or other property

Florida requires a minimum of $10,000 in property damage liability coverage.

What Does State Minimum Insurance NOT Cover?

A policy with only PIP and Property Damage Liability typically does not cover several common accident costs.

State minimum policies generally do not cover:

• Damage to your own vehicle
• Theft of your vehicle
• Storm or fire damage to your vehicle
• Injuries to other drivers or passengers
• Accidents involving uninsured drivers

Because of these limitations, drivers with only state minimum coverage may still face significant out-of-pocket expenses after an accident.

What Does “Full Coverage” Auto Insurance Mean?

“Full coverage” auto insurance is a common phrase drivers use when they want stronger protection for their vehicle. However, full coverage is not an official insurance policy type.

Most people asking for full coverage are referring to a policy that includes:

• Liability coverage
• Collision coverage
• Comprehensive coverage

These coverages work together to protect both the driver and the vehicle.

Is Full Coverage Auto Insurance Required in Florida?

No. Florida law does not require drivers to carry full coverage auto insurance.

The state only requires:

• $10,000 Personal Injury Protection (PIP)
• $10,000 Property Damage Liability (PDL)

However, lenders typically require collision and comprehensive coverage if a vehicle is financed or leased.

Motorcycle Insurance

Motorcycle insurance provides financial protection for riders and their bikes.

Policies may include:

• Liability coverage
• Coverage for damage to the motorcycle
• Medical payments coverage
• Optional additional protections depending on the insurer

Coverage requirements and options can vary depending on the motorcycle and how it is used.

RV Insurance

RV insurance helps protect recreational vehicles used for travel or camping.

Coverage may include:

• Liability protection
• Damage coverage for the RV
• Coverage for certain belongings inside the RV

Policies can vary depending on whether the RV is used occasionally or as a primary residence.