If you’re a Florida driver, understanding what’s included (and what’s not) can save you from some frustrating surprises after an accident.
What “Full Coverage” Usually Includes in Florida
In most cases, when people talk about full coverage, they mean a policy that bundles:
- Liability Insurance (required by Florida law)
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- Covers injuries and property damage you cause to others in an accident.
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- Florida is a no-fault state, which means your own insurance helps pay for your medical bills first, regardless of who caused the accident.
- Personal Injury Protection (PIP)
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- Required in Florida with a minimum of $10,000.
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- Pays for a portion of your medical expenses, lost wages, and other costs after an accident.
- Collision Coverage
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- Helps pay for repairs (or replacement) if your car is damaged in an accident, regardless of who was at fault.
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- This is especially important if you have a loan or lease.
- Comprehensive Coverage
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- Protects your car against non-collision events: theft, fire, vandalism, falling trees, hurricanes (hello, Florida storms), and even hitting a deer or gator (yes, it happens).
What Full Coverage Doesn’t Always Cover
Even with full coverage, there are gaps you might not expect. For example, you may need to add:
- Uninsured/Underinsured Motorist Coverage (UM/UIM): Florida has a high percentage of uninsured drivers, so this can be a lifesaver.
- Roadside Assistance: Not usually included automatically.
- Rental Car Reimbursement: Covers a rental car while yours is being repaired after a covered accident.
Why Full Coverage Matters in Florida
Living in Florida comes with unique risks—like heavy traffic, year-round tourists, and severe weather. Full coverage car insurance helps protect against:
- Hurricane season damage (comprehensive coverage is key here).
- High accident rates in busy cities like Miami, Orlando, and Tampa.
- Costly repairs if you’re driving a newer or financed car.
Without it, you could end up paying thousands out of pocket after an accident or storm.
Is Full Coverage Right for You?
You might need full coverage if:
- You financed or leased your car (your lender will likely require it).
- You drive a newer or high-value vehicle.
- You want peace of mind against Florida’s unpredictable drivers and weather.
On the other hand, if you’re driving an older car that’s not worth much, full coverage may not be cost-effective.
Final Thoughts
Full coverage car insurance in Florida isn’t a specific policy; it’s a combination of protection. At a minimum, it usually means liability, PIP, collision, and comprehensive coverage. But you’ll want to consider extras like uninsured motorist coverage to stay fully protected on Florida’s roads.
The best move? Compare quotes and talk with a local insurance agent who understands Florida’s unique driving risks. That’s where ARCW can help. Our team would be happy to discuss your coverage with you and help you get the right policy for your situation. Request a quote, and one of our agents will be in touch to give you the personalized insurance support you deserve.
