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Q

I live in Florida and have extended PIP of $90,000, what exactly does this cover? I also have 25/50 uninsured motorist bodily injury coverage. What does this cover?


A

In Florida you are required to have $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL) coverage. The FL Department of Highway Safety and Motor Vehicles does not require you to carry bodily injury liability (BIL), however if you are involved in an accident which the other party is injured, you will be penalized for not having this coverage.

Personal Injury Protection is designed to cover you, up to your PIP limits, if you have been injured in an auto accident, regardless of fault. A typical PIP policy pays 80% of medically necessary expenses, 60% of lost wages and 100% of replacement services such as child care and $5000 for death benefits.

You can amend or extend your PIP to increase medical expenses to 100% and lost wages to 80% or increase your minimum limits from $10,000 to $20,000 or more. With $90,000 of PIP coverage you and members of your household who do not own a vehicle of their own and certain licensed passengers who drive your vehicle with your permission would be covered up to this limit instead of the normal lower limit of $10,000.

As for your 25/50 uninsured motorist bodily injury, this coverage pays for you, the insured members of your household and your passengers for injuries, damages or death caused by the negligence of a person with insufficient insurance. If you have an accident with a person whose coverage cannot meet your damages and it is their fault, your policy will meet the difference-up to the limit of liability listed on your policy.

The coverage amounts that you have mean that your policy would pay up to $25,000 per person for injuries up to $50,000 total for all injuries sustained in one accident. This coverage typically pays any difference between what the other drivers insurance covers and what your medical coverage will pay.


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