You probably know that Florida has a minimum state car insurance. You probably also know that it includes personal injury protection and property damage liability insurance. To meet the minimum state insurance requirements in Florida, you need to have $10,000 in personal injury protection and $10,000 in property damage liability. The personal injury protection insurance covers your medical expenses in the event of an accident. More specifically, it includes 80% of most medical expenses, regardless of who was at-fault for the crash. The property damage liability insurance covers property damage, vehicle damage, and other losses when you are at-fault for an accident. But, what about additionalinsurance coverage? What exists beyond the state minimum for car insurance?

Additional Car Insurance Coverage Options
If you think you want to go beyond the minimum state car insurance coverage, you will want to look into your options for extra coverage. Some other car insurance options include bodily injury liability, additional personal injury protection, medical payments, and uninsured motorist bodily injury. Let’s take a closer look at some of these options below.

• Bodily Injury Liability –Bodily injury liability insurance pays for medical expenses of the other party when you are at-fault for an accident. I know you may be thinking that this is contradictory to the idea behind the personal injury protection we discussed above. It initially sounds like it, but this insurance could keep you better covered in specific situations. For example, if you injured someone who was a pedestrian or does not have auto insurance, the bodily injury liability insurance can protect you and them.
• Additional Personal Injury Protection –This insurance is extra insurance coverage for any personal injuries you may incur in an accident. The personal injury protection we discussed above covers 80% of your medical expenses and this additional insurance covers the other 20%.
• Medical Payments – This is another type of insurance to cover your medical expenses as the result of a car accident. The medical payments insurance has a limit that is separate from the personal injury protection, so it can cover you if your medical expenses exceed your personal injury protection. It can also cover your family members.
• Uninsured Motorist Bodily Injury – This last type of additional car insurance coverage covers you if you are in an accident with someone who doesn’t have the state minimum car insurance. If an uninsured driver hits you, this will cover your injury costs.

Have questions about the state minimum car insurance or your additional coverage options. Reach out to us, and we will help you!