Personal Injury Protection
Personal Injury Protection (PIP) covers medical expenses for injuries sustained in an auto accident by you, passengers in your covered auto, and relatives living in your household.

What's covered?

• Medical - Personal Injury Protection (PIP) will cover up to 80 percent of all accident-related expenses.
• Disability - If any of the covered individuals are unable to work due to accident-related injuries, PIP helps recover up to 60 percent of their gross income. This also includes any reasonable expenses incurred during the recovery period.
• Death – Benefits equal to $5,000 or the remainder of unused personal injury protection benefits per individual, whichever is less, will be paid to a covered insured’s xecutor or designated beneficiary if they die due to accident-related injuries.

How much protection does this coverage provide?
Total payments covered by PIP are limited to $10,000 per person, per incident.

Property Damage
If you or another covered driver is found to be at fault in an accident, the following is covered under property damage coverage:

• Damage to another person's property (e.g., fence, car, or home)
• Legal costs associated with a damage incident

How much protection does this coverage provide?
The coverage limits you set in your Florida auto insurance quote refers to the maximum amounts that will be paid per accident.

Bodily Injury
If the policyholder or another driver covered by the Florida policy is found to be at fault in an accident resulting in injuries or fatalities, the following is covered under bodily injury coverage:

• Medical expenses
• Lost wages
• Pain and suffering
• Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident

Bodily injury coverage pays for damages caused to a third party.

How much protection does this coverage provide?
The dual coverage limits you select in your Florida auto insurance quote refer to the maximum amounts that will be paid per person, per incident, respectively.

Medical Payments
Medical Payments is an optional coverage in Florida that pays for medical and dental treatment, hospitalization, professional nursing services, prostheses, and funeral expenses if a covered driver and/or accompanying passengers are injured while in an insured vehicle, regardless of who is at fault in the accident.

Medical payments may also cover policyholders and their family members when they are injured while riding in someone else's car or if a car hits them while on foot or bicycling.

If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary. Check your Florida health insurance policy for details.

The auto insurance coverage limit refers to the maximum amount that will be paid per person, per accident.

Uninsured/Underinsured Motorist Bodily Injury
If you choose to have uninsured/underinsured motorist bodily injury on your Florida policy and you want it to apply to multiple cars, you must select the same limit for each car. Also, the limits you choose must be less than, or equal to, your bodily injury limits.

If you’re injured in an accident caused by a driver who has no auto insurance coverage or insufficient coverage, uninsured/underinsured motorist bodily injury coverage covers the following expenses:

• Medical
• Lost wages
• Other general damages
• Injuries sustained in hit-and-run accidents

Uninsured/underinsured motorist bodily Injury provides coverage to the policyholder, authorized policy members, and passengers.

How much protection does this coverage provide?
The dual coverage limits you see in your Florida auto insurance quote refer to the maximum amount that will be paid per person, per incident, respectively.

If the other driver is uninsured, this coverage can generally pay up to the limit you purchase. If the driver is underinsured, this coverage typically pays the difference between what’s covered by the other driver's insurance and what’s covered by your bodily injury coverage.

If the limits you purchase are lower than an accident's costs, you’ll be responsible for paying the amount over your limits, unless you’re covered by health insurance.

Stacking option under uninsured/underinsured motorist bodily injury
In Florida, you have the option to choose uninsured/underinsured motorist bodily injury – car stacking. Selecting this option multiplies your limits for each of these coverages by the number of cars in your household.

For example, if you select stacking on your auto insurance policy and have 2 cars in your household, your uninsured/underinsured motorist bodily injury coverage limits of $50,000/$100,000 would double to $100,000/$200,000. If you have 3 cars in your household and choose stacking, $50,000/$100,000 limits would increase to $150,000/$300,000.

Selecting the stacking option for uninsured/underinsured motorist bodily injury coverage increases your auto insurance premium.

If you're only insuring one car, stacking will only offer a benefit when another household member has a separate policy that also includes stacking for his or her vehicle(s).