Florida car insurance customers must also buy Personal Injury Protection (PIP) coverage when they arrange for their required liability coverage. This type of insurance may also be called no-fault coverage. It is designed to cover you and your family members if you are injured in a motor vehicle accident. PIP also protects passengers in your vehicle who are not covered under their own policy, for example people who don’t own a vehicle.
The PIP portion of your Florida auto insurance policy also protects you if you are hurt by a vehicle by walking or riding your bicycle. Your children are covered under this type of policy if they happen to be injured while riding a school bus.
If you are injured in an accident, you would submit your claim to your own insurance company. This coverage may be mandatory, but you can still choose which company is going to provide you with coverage. Shop around and consider quotes from different insurance providers before making your choice. That way, you will be sure that you are getting the best rates for your coverage.
Most companies will offer you a free FL auto insurance quote. By shopping online, you can get the information you need quickly and conveniently, without having to wait for normal business hours to do so.