Florida is a no-fault state as you noted and the minimum PIP coverage required by the state pays:

• 80 percent of medically necessary expenses
• 60 percent of lost wages
• 100 percent of replacement services such as child care, housekeeping or yard work and
• Up to $5,000 for death benefits.

For a higher premium - the charge for insurance based on the type and amount of coverage - you can amend your PIP to increase medical expenses to 100 percent and lost wages to 80 percent; or increase your minimum limits from $10,000 to $20,000, or more.

In Florida, PIP has very insignificant limits if you are severely hurt. Uninsured Motorist / Underinsured Motorist coverage covers bodily injuries to you and your passengers when the other person has no insurance or not enough insurance in an accident that is not your fault.

Given the large number of uninsured motorist, studies say it is between 15 and 27% of drivers in Florida, this is very important coverage to have. In Florida, your Personal Injury Protection (PIP), or no-fault, benefits carry a $10,000 limit, unless you have increased your limits. So there may be instances when your no-fault benefits will not cover all of your medical expenses and if the other driver is uninsured than UM insurance really would help you and your family.

Uninsured/Underinsured Motorist Coverage (UM) protects 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 place on your car insurance policy.

In Florida, PIP would pay first, but UM will give much better protection if you are injured by an uninsured motorist. In order to purchase UM though, you must purchase equal or higher limits of Bodily Injury Liability (BI). BI is not required in Florida unless except for in certain situations listed under the Financial Responsibility Law (Ch. 324 of the Florida Statutes). This FL law calls for this additional Liability insurance if you have caused accidents involving bodily injury or have been convicted of certain offenses, such as driving under the influence.

You can get a quote here for Florida auto insurance, with or without Uninsured Motorist coverage, with us.