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Auto Insurance Coverages - PIP Insurance Miami

Here is a quick overview of the ten kinds of coverage in an auto insurance policy.
  1. Bodily Injury Liability: It pays the medical and other expenses of those people injured or even killed in accidents you cause.
  2. Property Damage Liability: It covers the damage your car causes to property. Usually, that’s the other car or cars involved in the accident, but it also covers damage you do to any object you hit. Garages, buildings, lamp posts, fences, etc.
  3. Collision: This is for damage done to your car when it collides with other vehicles or other objects.
  4. Comprehensive: This covers damage to your car that results from something other than a collision with another vehicle, for example, hitting an alligator or a rock hitting the windshield of your car. It also includes coverage for theft.
  5. Medical Payments: It pays medical and even funeral expenses, for you as well as members of your family and passengers in your car if it is involved in a collision, regardless of who caused the accident. It also covers you as a pedestrian if you are hit by a vehicle.
  6. Uninsured Motorist Coverage: It pays for injuries if you're hit by a driver who doesn't have insurance. Even in Florida where insurance is mandatory, there are lots of drivers on the road who don't have insurance.
  7. Personal Injury Protection: It is also known as "P.I.P." or "NoFault" insurance. It is mandatory in Florida and allows for you to collect lost wages, medical & funeral benefits up to a maximum of $10,000 per family member or other passengers, regardless of fault.
  8. Additional Equipment: Should you add additional equipment to your car (Different Car Stereo system...Big Rims or Monster tires on your truck)...Anything added to your car after it has left the factory needs to be added to the Additional equipment of your policy. If it is not added...you will NOT have coverage those items added to your vehicle.
  9. Rental Car Reimbursement: It reimburses you for rental car usage when your car has been damaged in an accident.
  10. Towing: It reimburses you for towing charges when your car breaks down.