Other Insurance Coverages Available To You
Although not required by law, many drivers buy other types of insurance coverage in addition to the mandatory PIP and property damage liability insurance. Common optional coverages purchased include: collision, comprehensive, uninsured motorist, medical payment, towing, rental reimbursement, and accidental death and dismemberment.
Collision Insurance pays for repairs to your car if it collides with another vehicle, crashes into an object or turns over. It pays regardless of who caused the accident. Collision insurance does not cover injuries to people or damage to the property of others.
Comprehensive Insurance pays for losses from incidents other than a collision. Examples would be fire, theft, windstorm, vandalism, flood, or hitting an animal. Damage caused by falling objects is also covered under this policy. If you have comprehensive coverage, windshield replacement is the only claim for which you are not charged a deductible. Florida law requires this waiver to encourage drivers to immediately replace damaged windshields.
Uninsured Motorist (UM) Insurance pays if you, your passengers, or family members are hit by someone who is "at-fault" and does not have insurance, or has insufficient liability insurance to cover the total damages sustained by you. This applies whether you are riding in your car, someone else's car, or are struck by a car as a pedestrian. UM Insurance also applies in a hit-and run situation, or in a “phantom” vehicle accident.
UM Insurance pays for medical expenses, lost wages (beyond your PIP coverage), bodily injury, sickness, disease, or death resulting from a motor vehicle accident that you and your passengers suffer.
Medical Payment Insurance covers medical expenses beyond those covered by PIP which result from accidental injury. Medical payment insurance differs from bodily injury liability coverage in that it covers the medical expenses of you, members of your family, and your passengers regardless of who is "at-fault."
Medical Payment Insurance applies whether the injury occurs in your car, someone else's car, or on the street as a pedestrian. Note that health insurance also covers medical expenses from auto accidents beyond those covered by PIP.
Rental Reimbursement Coverage will permit you to be reimbursed for car rental if an accident leaves your car inoperable. If the other driver was "at-fault," that driver's liability insurance coverage may reimburse you for renting a vehicle similar to your own.
Collision Damage. Rental car companies often sell collision damage coverage which, although similar to insurance, is not insurance and does not fall under the regulatory authority of the Department of Insurance. If you have collision coverage or property damage liability, you may be covered for damage to rental cars driven by you, depending on the terms and conditions of your policy. You may also be automatically covered by your credit card company if you used the card to rent the vehicle. Check your policy before you rent a car and call your agent or credit card company if you have any doubts.
Accidental Death and Dismemberment Insurance provides coverage, up to the limits of the policy, for accidental death or dismemberment in an auto accident, regardless of who is "at-fault." It covers you and relatives who live in your home
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and discover what your options are.