When you need to buy auto insurance in Florida, you may need information about the different types so that you can know what to ask about when you talk with your insurance salesperson. You can talk to an agent with Hall Insurance serving Panama City Beach, FL to find out how to buy the insurance you need.
Types of Automobile Insurance Coverage
Bodily Injury Liability (BI):
This type of insurance is used if there is a serious and permanent injury or death to another person or people and you caused it.
Property Damage Liability (PD):
This type of insurance would pay for the destruction of property of another person or people if you are legally liable for this damage. The legal requirement for this is $10,000 for any auto insurance policy.
Personal Injury Protection (PIP):
This type of insurance is used to pay 80 percent of all medical expenses resulting from an injury caused by an auto accident, regardless of fault. This pays for necessary ambulance services, medical care, surgery, x-rays, dental, and rehabilitation services. PIP pays 60 percent of work loss.
Uninsured/Underinsured Motorist (UM):
This type of insurance is used when the at-fault person does not have Bodily Injury (BI) insurance and not enough liability insurance, and pays for bodily injury, including death.
Comprehensive or Other than Collision:
This type of insurance is used to pay for damage to a vehicle from windstorms, theft, fire, flood, vandalism, falling objects, and a collision with an animal.
This type of insurance is used to repair your vehicle if it collides with another vehicle, crashes into an object, or flips over, regardless of fault.
You can contact to an agent with Hall Insurance serving Panama City Beach, FL to find out how to buy the insurance you need.