What Coverages are available with a Personal Auto Policy?

1. Part A - Liability Coverage: Contains provisions which insure against liability for bodily injury or property damage to others.
2. Part B - Medical Payments Coverage: Contains provisions for coverage of the same name.
3. Part C - Uninsured Motorists Coverage: This policy section does not apply in Florida. It is replaced by one of two endorsements written to comply with the "stacked" and "non-stacked" provisions of Florida law.
4. Part D - Coverage for Damage to Your Auto: Contains provisions for physical damage ("Comprehensive" and "Collision") to the insured autos.
5. Part E - Duties After an Accident or Loss: States what the insured must do when an accident or loss occurs.
6. Part F - General Provisions: Outlines general conditions applicable to all policy coverage.
7. Personal Injury Protection
8. Miscellaneous coverage such as towing and labor or rental reimbursement..

What is Bodily Injury and Property Damage?

The policy will pay for bodily injury when you are legally responsible for the bodily injury to another person in an accident with your auto. Bodily injury includes serious or permanent injury or death. The policy will also pay for property damage you caused to others, up to the policy limit, using an auto. Property damage includes all tangible property including the loss of use.

What is collision coverage?

Collision coverage pays for your auto, the actual cash value or repair, when your auto strikes another object except animals. The policy will also offer “other than collision” which pays for such things as colliding with animals, the theft of your auto, or if you car happens to catch on fire.

What does Personal Injury Protection (PIP) pay for?

In the state of Florida Personal Injury Protection (PIP) helps to reduce the need to sue others to cover your injuries because of an auto accident. PIP will pay for the following: 80% of your medical expenses
60% of your lost wages
100% of replacement services such as house cleaning, yard work, childcare.
A death benefit of up to $5,000 is also included.

What is uninsured motorist coverage?

Uninsured motorist (UM) coverage will pay for your bodily injury(s) in the event you are injured in an auto accident and the party at fault does not have insurance or has insufficient coverage. The coverage pays for medical costs and also pain and suffering.


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