Auto insurance pays for injuries and damage you cause and, depending on what you buy, damage to your own vehicle. Florida sets certain required coverages by law, and those rules can change.
What it generally covers
- Liability for injuries and property damage you cause to others
- Coverages required by Florida law
- Damage to your own vehicle, if you choose comprehensive and collision
- Protection if the other driver has little or no insurance, if you choose it
Where gaps often hide
- Minimum limits may be far below what a serious accident can cost
- Household drivers who are not listed on the policy
- Business use of a personal vehicle
- Gaps when a vehicle is financed or leased and the loan balance is higher than the vehicle’s value
Questions worth asking
- Are my liability limits high enough for what I own?
- Is uninsured and underinsured motorist coverage included?
- Is every driver in my household listed?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.