Are you properly covered?
Tick what's on your Florida policy and see where the gaps are in about thirty seconds. It's a gut-check, not a quote.
How covered are you?
Tick what's on your Florida policy. It's not a quote, just a quick way to see where the gaps are.
Educational only. Confirm what you actually need with a licensed Florida agent.
What the gaps mean
Florida only requires the first two, PIP and PDL. Everything below them is optional by law, but some of those optional pieces are the ones that actually protect your finances. A few worth understanding:
- Bodily Injury Liability pays for injuries you cause to others, and Florida doesn't require it, which leaves a real gap.
- Uninsured Motorist matters because roughly one in five Florida drivers has no coverage at all.
- Comprehensive and collision protect your own car, including hurricane and flood damage, but are only worth it up to the car's value.
Informational only, not advice. This checklist helps you spot gaps to discuss with a licensed Florida insurance professional. It isn't a recommendation for your specific situation.
Wondering whether your limits are high enough? See is $10,000 PIP enough in Florida.