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Bodily Injury
If the policyholder or another driver covered by the Florida policy is found to be at
fault in an accident resulting in injuries or fatalities, the following is covered
under bodily injury coverage:
- Medical expenses
- Lost wages
- Pain and suffering
- Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident
Bodily injury coverage pays for damages caused to a third party.
How much protection does this coverage provide?
The dual coverage limits you select in your Florida auto insurance quote refer
to the maximum amounts that will be paid per person, per incident, respectively.
Medical Payments
Medical Payments is an optional coverage in Florida that pays for medical and dental
treatment, hospitalization, professional nursing services, prostheses, and funeral
expenses if a covered driver and/or accompanying passengers are injured while in an
insured vehicle, regardless of who is at fault in the accident.
Medical payments may also cover policyholders and their family members when
they are injured while riding in someone else's car or if a car hits them while
on foot or bicycling.
If you and your regular passengers already have health insurance that covers
similar expenses, medical payments coverage may be unnecessary. Check your Florida
health insurance policy for details.
The auto insurance coverage limit refers to the maximum amount that will
be paid per person, per accident.
Uninsured/Underinsured Motorist Bodily Injury
If you choose to have uninsured/underinsured motorist bodily injury on your Florida policy
and you want it to apply to multiple cars, you must select the same limit for each car.
Also, the limits you choose must be less than, or equal to, your bodily injury limits.
If you’re injured in an accident caused by a driver who has no auto insurance coverage
or insufficient coverage, uninsured/underinsured motorist bodily injury coverage covers
the following expenses:
- Medical
- Lost wages
- Other general damages
- Injuries sustained in hit-and-run accidents
Uninsured/underinsured motorist bodily Injury provides coverage to the policyholder,
authorized policy members, and passengers.
How much protection does this coverage provide?
The dual coverage limits you see in your Florida auto insurance quote refer to
the maximum amount that will be paid per person, per incident, respectively.
If the other driver is uninsured, this coverage can generally pay up to the
limit you purchase. If the driver is underinsured, this coverage typically pays
the difference between what’s covered by the other driver's insurance and what’s
covered by your bodily injury coverage.
If the limits you purchase are lower than an accident's costs, you’ll be
responsible for paying the amount over your limits, unless you’re covered by
health insurance.
Stacking option under uninsured/underinsured motorist bodily injury
In Florida, you have the option to choose uninsured/underinsured motorist bodily
injury – car stacking. Selecting this option multiplies your limits for each of
these coverages by the number of cars in your household.
For example, if you select stacking on your auto insurance policy and have 2 cars
in your household, your uninsured/underinsured motorist bodily injury coverage limits
of $50,000/$100,000 would double to $100,000/$200,000. If you have 3 cars in your
household and choose stacking, $50,000/$100,000 limits would increase to
$150,000/$300,000.
Selecting the stacking option for uninsured/underinsured motorist bodily
injury coverage increases your auto insurance premium.
If you're only insuring one car, stacking will only offer a benefit when another
household member has a separate policy that also includes stacking for his or her
vehicle(s).
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