Cheapest Florida Car Insurance
Reader’s Question:
I’m looking for the cheapest Florida car insurance and came across the term personal injury protection or PIP. Can you tell me more about this?
Jean
Citrus Park-Fern Lake, FL
The Personal Injury Protection or PIP is designed to reduce the incidents of suing for injury related vehicular accidents. As you see, the state of Florida follows a no-fault system. Under this, no matter who caused the accident, your own auto insurance company will automatically cover for your damages up to the limits that you have in your auto insurance policy. The state of Florida requires minimum auto insurance limits for PIP amounting to $10,000.
The Personal Injury Protection provides you coverage whether you are driving your own car or not. If let’s say you get involved in an accident driving another car that you do not own, you PIP will still provide coverage for you. In addition, if you are just crossing the streets or biking, or even if you suffered from an injury caused by a vehicle, your PIP will still cover you. Meanwhile, if you are driving outside the Florida, as long as you’re within the United States or Canada your PIP will still provide you coverage however this time you must be driving your own vehicle. The PIP also provides coverage for the members of your household.
The PIP will pay for:
- 80% of necessary medical related expenses
- 60% for lost wages
- 100% for replacement services like housekeeping , child care, or yard work
- And up to $5,000 for benefits for death
Since it appeared to me that you are looking for the cheapest Florida car insurance, you can start looking for one by shopping around for car insurance premiums. The websites offer a lot of choices for you to get the cheapest Florida car insurance you are looking for. Happy shopping!
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