Florida Automobile Insurance: What is Basic Coverage?

As a personal injury attorney, I am frequently asked to explain automobile insurance coverage in the State of Florida. The Department of Insurance provides a good explanation of automobile insurance coverage in the State of Florida. People often say that they have “full coverage”. In Florida, there is really no such thing as “full coverage”. There is basic coverage and optional coverage. Basic coverage is the type and amount of insurance that is mandated by Florida law. PP (Personal Injury Protection) provides coverage for medical bills, wage loss, mileage, and prescriptions. Property Damage Liability provides coverage to pay for repairs or property damage to the other owner’s vehicle. Bodily injury, Collision, Medical Payment, Comprehensive, Towing, Rental Reimbursement, and Uninsured Motorist are optional coverages in Florida. I generally advise clients to get more than Basic Insurance Requirements for the protection of themselves and their families.

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