PIP is designed to reduce the need to sue for reimbursement for medical or other bills related to motor vehicle accidents. According to Florida Law, PIP insurance is mandatory if you own a motor vehicle with four or more wheels.
Bodily Injury Liability Coverage is the best protection from being sued for causing bodily injury to another person in an automobile accident. BI pays for medical expenses, lost wages, pain and suffering of the injured.
Property Damage Liability Insurance pays for damage caused to another person's property while driving. The term "property" includes fences, telephone poles, buildings, as well as another car. Coverage applies even if you are driving a vehicle that is not your own.
Collision coverage protects your car if it is damaged in a collision with virtually anything, whether it is a car, a tree or a wall. Comprehensive coverage covers you in the event of loss of your car due to causes other than collision or rollover.
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