All Miami motorists are required to carry basic liability insurance and personal injury protection (PIP) at the following minimum limits:
- $10,000 of bodily injury liability per person
- $20,000 of bodily injury liability per incident
- $10,000 of property damage liability per incident
- $10,000 of PIP per person, per incident
Liability coverage can help protect you financially if you're found at fault in an accident that results in injuries or property damage to another driver. Though it's not necessarily recommended, Florida allows its residents to reject bodily injury liability coverage in writing to their insurer — but remember that you'd still be financially responsible for any accident-related medical expenses should you ever be found at fault in an incident.
PIP coverage, on the other hand, can help pay for your medical bills and certain other accident-related expenses — regardless of fault.
If you want property damage protection for your car in an at-fault accident, though, you'll want to purchase comprehensive and collision coverages. These and many more optional add-ons — including rental reimbursement, uninsured/underinsured motorist, and towing and labor — can offer additional monetary protection and peace of mind than a basic liability policy.
At the same time, we know that narrowing down your coverages can be difficult. Cue our super-smart CoverageMyWay®, which uses complex algorithms and cutting-edge technology to prioritize coverage options, empowering you to make smart choices when it comes to your protection.