Florida Auto Insurance - What you need to know about
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Coverage not mentioned. Stacked and Non-stacked uninsured motorist. If you have 2 or more cars you can stack the UM/UIM coverage for an additional cost. Essentially what that does is in the event you are hit by an uninsured/under-insured motorist if you stack it you get double the coverage. IE: UM 25,000/50,000 stacked. If you are hit by an uninsured motorist you can take an additional 25,000/50,000 from your other car so you are covered up to 50,000/100,000.
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State Min: PIP and PD is only required for basic insurance
Most common state Min: BI 10,000/20,000 PD 10,000
More common coverage (still low):
BI limits: 25,000/50,000 PD 25,000
UM/UIM 25,000/50,000 Comprehensive and Collision or UMPD
Most common Home owners buy for Auto:
BI limits: 100,000/300,000 PD: 100,000
UM/UIM: 100,000/300,000
Limits I currently carry (I'm not in FL)
250,000/500,000 PD 100,000 UM/UIM 250,000/500,000 Comprehensive minus 250 deductible and Collision minus 500 deductible.
BI = Bodily Injury PD = Property Damage
UM = Uninsured Motorist UIM = Under-insured motorist (UMBI/UIMBI = Uninsured/Under Motorist Bodily Injury)
PIP = Personal Injury Protection
Comprehensive = Other than collision
Collision = Coverage for your auto's ACV (Actual Cash Value) minus your deductible
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DISCLAIMER:
Please consult your agent before making any changes you feel you are not knowledgeable with. Due that the laws being different in each state, I am not responsible for any changes or updates that may have occurred after the making of this video.