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Q

In Florida, must I carry uninsured motorist coverage if I carry PIP insurance.


A

There is no legal requirement to carry Uninsured/Underinsured Motorist Bodily Injury in Florida. Florida doesn't offer Uninsured Motorist Property Damage coverage.

You should purchase the most coverage you can afford. In Florida, I carry Uninsured Motorist Bodily Injury AND I have PIP because of the legal requirement.

Florida's PIP is intended to lower the cost of auto insurance by taking small claims out of the courts. Each insurance company compensates its own policyholders for the cost of minor injuries regardless of who was at fault in the accident. These "first-party" benefits, which are a mandatory coverage, vary by state with no-fault systems.

Uninsured/Underinsured Motorist Coverage (UM) is valuable coverage but not required. It will protect you far beyond PIP. It will pay for 100% of medical bills, 100% of wage loss and for 100% of your pain and suffering up to whatever limits of coverage you buy. UM will protect your family from bad drivers. BI will protect you in case you cause injury in an accident and MP will give you additional medical coverage that PIP may have paid in the past. PIP is necessary/required, but not the best medical or lost wage coverage.

You can get an auto insurance rating price quote here to see how much a policy would cost you.


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