Florida Auto Insurance Coverage Types

The following is a list of some of the available types of automobile insurance coverage in Florida:

Personal Injury Protection (PIP or No-Fault)

PIP pays 80% of medical bills and 60% of wage loss up to $10,000.00 incurred as a result of a motor vehicle accident regardless of who is at fault for the accident. Florida Law requires all vehicle owners to carry PIP coverage. PIP will also reimburse for mileage, prescriptions and household services you may require due to your injuries. Your PIP coverage will also provide benefits if you are injured in an auto accident as pedestrian or riding a bike. You may also be entitled to coverage if you reside with a resident relative who owns a motor vehicle.

Medical Payments (Med Pay)

Med Pay covers the other 20% of medical bills that is not covered by PIP. Once PIP exhausts, Med Pay will cover medical expenses at 100% up to the limits you have purchased.

Property Damage Liability

Property Damage pays for damages you cause to someone else’s vehicle or property.

Florida Law requires you to have a minimum of $10,000.00. This coverage does not pay for damage to your own vehicle.


This pays for repairs to your vehicle or replacement if your vehicle is a “total loss” resulting from an auto accident or collision.


This pays for repairs or replacement of your vehicle for damages other than an auto accident or collision. Examples include theft, vandalism, a falling tree, etc.

Bodily Injury (BI)

Bodily Injury (BI) provides coverage for payment of medical bills, wage loss, pain and suffering, permanent injuries and death caused by you or anyone driving your vehicle. This coverage protects your assets up to the limits of the coverage you purchase.

Uninsured Motorist Coverage (UM/UIM)

Uninsured Motorist Coverage (UM/UIM) provides coverage medical bills, wage loss, pain and suffering, permanent injury and death when the at fault party has no BI coverage or insufficient BI coverage to compensate your losses. Your insurance company will not sell UM/UIM coverage unless you also buy BI coverage and you will not be able to purchase more UM/UIM coverage than the amount of your BI limits. However, you do have the option of buying “stacked” UM/UIM coverage multiplied by the number of vehicles on your insurance policy.

If you have any questions about Florida Auto Insurance Coverage Types, please feel free to contact the Law Office of David B. Chianco at (727) 787-2511 or submit a request FORM.