Understanding basic car insurance florida essentials

Cost Factors Influencing Basic Car Insurance Rates in Florida

Top Five Variables Affecting Basic Car Insurance Premiums in Florida

Key Principle: Insurance premiums in Florida are determined by a weighted algorithm incorporating statutory risk factors, historical claim data, and geographic exposure. The Florida Office of Insurance Regulation (OIR) oversees approved rating models, ensuring transparency in underwriting.

1. Location (ZIP Code and Urban/Rural Classification)
   Urban areas in Florida, particularly coastal cities, face higher premiums due to elevated traffic density, theft rates, and weather-related risks (e.g., hurricanes, flooding). Rural regions, while generally cheaper, may still incur higher costs in areas prone to severe storms or isolated emergency response delays.
   
   • Urban vs. Rural Cost Disparity: A 2023 analysis by the Florida Department of Financial Services (FDS) revealed that Miami-Dade County drivers pay ~40% more on average than those in Tallahassee, with premiums ranging from $1,800–$2,500/year in Miami compared to $1,100–$1,500/year in Tallahassee.
   • Key Urban Risk Factors:
     • Higher traffic congestion (increasing accident likelihood).
     • Elevated vehicle theft rates (e.g., Miami ranks among the top 10 U.S. cities for auto theft).
     • Weather exposure (hurricane-prone zones like Fort Lauderdale or Tampa Bay).
   • Rural Considerations:
     • Lower collision rates but higher medical payout risks in areas with limited healthcare access.
     • Discounts for low-mileage drivers or rural residency (some insurers offer 5–15% savings).
2. Driver Age and Experience
   Age is the most significant demographic factor, with younger drivers (under 25) paying 2–3x more than experienced drivers due to higher accident probabilities. Conversely, drivers aged 50+ often qualify for mature driver discounts, reducing premiums by 10–20%.
   
   • Age-Based Premium Ranges (Florida Averages):
     • 16–24 years: $4,500–$6,000/year (highest risk category).
     • 25–49 years: $1,500–$2,500/year (standard risk).
     • 50+ years: $1,200–$1,800/year (discount-eligible).
   • Mitigation Strategies for Young Drivers:
     • Enrollment in defensive driving courses (e.g., Florida’s Young Driver Program, offering 10% savings).
     • Graduated licensing compliance (mandatory in Florida).
3. Vehicle Type and Anti-Theft Features
   The make, model, and year of a vehicle directly influence premiums, with luxury/sports cars incurring 30–50% higher costs than economy sedans. Anti-theft devices (e.g., GPS tracking, immobilizers) can reduce comprehensive/collision rates by 15–30%.
   
   • Vehicle Classification Impact:
     • High-Risk Vehicles: Tesla Model 3 ($2,200–$2,800/year), Ford Mustang ($2,500–$3,200/year).
     • Low-Risk Vehicles: Honda Civic ($1,300–$1,700/year), Toyota Camry ($1,400–$1,900/year).
   • Anti-Theft Discounts:
     • LoJack: 5–10% savings on comprehensive coverage.
     • OnStar/GM OnStar: 5–8% savings (verified by Allstate and State Farm).
   • Credit History (Where Applicable)
     Florida allows insurers to use credit-based insurance scores (CBI) for underwriting, with poor credit increasing premiums by 20–50%. This practice is legal under Florida Statute §627.7015 but faces scrutiny due to equity concerns.
     
     • Credit Score vs. Premium Impact:
       • Excellent (720+): $1,200–$1,600/year (base rate).
       • Fair (620–659): $1,600–$2,100/year (+30% surcharge).
       • Poor (below 580): $2,200–$3,000/year (+50%+ surcharge).
     • Alternatives for Low-Credit Drivers:
       • Shop with insurers that minimize credit impact (e.g., Geico, Progressive).
       • Improve credit scores via payment history or secured credit cards.
   • Driving Record and Claims History
     Prior at-fault accidents or traffic violations (e.g., DUI, speeding) trigger surcharges, with a single at-fault claim increasing premiums by 25–50% for 3–5 years. Florida’s No-Fault Law (PIP coverage) also affects medical payout risks, indirectly raising premiums for drivers with pre-existing conditions.
     
     • Violation-Based Surcharges:
       • DUI: +100–150% premium increase for 3 years.
       • Reckless Driving: +50–80% increase for 3 years.
     • Claims-Free Discounts:
       • Accident-Free Discount: 5–15% savings after 5+ years.
       • Defensive Driving Course: 3-year claims-free reset (e.g., AARP Smart Driver Course).

Step-by-Step Premium Estimation for a Sample Florida Driver

Formula Framework:
Premium = Base Rate × (Location Factor + Driver Factor + Vehicle Factor + Credit Factor + Discounts)
Note: Factors are weighted differently by each insurer (e.g., State Farm vs. Allstate).

1. Step 1: Determine Base Rate
   The starting point is the Florida average for a 30-year-old male with a clean record, which ranges from $1,500–$1,800/year for a mid-tier insurer (e.g., Progressive or Farmers
   

   Policy Types and Add-Ons for Florida Drivers

   Florida drivers face unique considerations when selecting car insurance due to the state’s no-fault system, high vehicle theft rates, and frequent severe weather. Understanding the distinctions between policy types—such as liability-only, state-minimum, and full coverage—along with optional add-ons, enables drivers to tailor their coverage to financial risk, vehicle value, and personal needs. This section outlines the appropriate scenarios for each policy type, provides a decision-making flowchart for collision/comprehensive coverage, and details cost-effective add-ons, including bundling strategies to optimize premiums.
   

   Differences Between Full Coverage, Liability-Only, and State-Minimum Policies in Florida

   Florida mandates Personal Injury Protection (PIP) and Property Damage Liability (PDL) as minimum coverage requirements, but drivers often confuse these with broader policy types. Below are the key distinctions, including when each is most suitable:

   State-Minimum Policies (PIP + PDL)
   Florida’s minimum coverage consists of:
   

2. $10,000 per person/$20,000 per accident for Personal Injury Protection (PIP), covering medical expenses and lost wages for the policyholder and passengers, regardless of fault.
3. $10,000 per accident for Property Damage Liability (PDL), paying for damage to another driver’s vehicle or property if the insured is at fault.
Appropriate for:

4. Drivers with older, low-value vehicles (e.g., 10+ years old, valued under $3,000–$5,000).
5. Individuals on a tight budget who cannot afford higher premiums and accept the risk of out-of-pocket expenses for repairs or medical bills beyond state limits.
Limitations:

6. Does not cover damage to the insured’s own vehicle (collision/comprehensive).
7. May leave drivers vulnerable to high deductibles or gaps in medical coverage if injuries exceed PIP limits.

Liability-Only Policies (Beyond State Minimum)
Some insurers offer liability-only policies with higher limits (e.g., 25/50/10 or 100/300/50), which exceed Florida’s minimums but still exclude collision/comprehensive coverage.
Appropriate for:


8. Drivers who carry a loan or lease but prefer to rely on the lender’s gap insurance or collision coverage through the financing institution.
9. Those who drive older vehicles but wish to protect against lawsuits exceeding PIP limits (e.g., if another party sues for pain and suffering).
Limitations:

10. No protection for the insured’s vehicle in accidents, theft, or weather-related damage.
11. Lenders typically require full coverage for financed/leased vehicles, making this option rare for such drivers.

Full Coverage Policies (Collision + Comprehensive + Liability)
Full coverage in Florida typically includes:


12. Liability coverage (minimum or higher limits).
13. Collision coverage, paying for repairs or replacement if the insured’s vehicle is damaged in an accident, regardless of fault.
14. Comprehensive coverage, covering non-collision events (e.g., theft, vandalism, hail, fire).
Appropriate for:

15. Drivers with newer or high-value vehicles (e.g., under 5–7 years old, valued over $5,000–$10,000).
16. Those with auto loans or leases, as lenders usually mandate this coverage.
17. Individuals who cannot afford to replace or repair their vehicle out-of-pocket.
Cost Consideration:

18. Full coverage premiums in Florida average $1,500–$3,500 annually for a mid-range vehicle, depending on age, driving record, and location (e.g., Miami vs. Tallahassee).
19. Deductibles typically range from $500–$2,000; higher deductibles lower premiums but increase out-of-pocket risk.

Florida-Specific Note:
Unlike some states, Florida does not require collision or comprehensive coverage. However, lenders and leasing companies almost always mandate it for financed vehicles. Drivers should verify their lender’s requirements before opting for state-minimum policies.

Decision Flowchart: Collision/Comprehensive Coverage Based on Vehicle Age and Value

Determining whether to add collision or comprehensive coverage depends on the vehicle’s age, market value, and replacement cost. Below is a structured decision guide:

• Step 1: Assess Vehicle Age and Condition
  • Vehicle Age ≤ 5 Years
    • Market Value: Likely exceeds $5,000–$10,000 (check Kelley Blue Book or NADA Guides).
    • Recommendation: Full coverage (collision + comprehensive) is cost-effective. The annual premium (typically $1,000–$2,500) is often less than the deductible (e.g., $1,000) if a claim arises.
  • Vehicle Age 6–10 Years
    • Market Value: $3,000–$8,000. Compare the annual premium (e.g., $800–$1,800) to the deductible (e.g., $500).
    • Recommendation:
      • If the annual premium exceeds 10% of the vehicle’s value, consider dropping collision/comprehensive and paying the deductible out-of-pocket.
      • Example: A 7-year-old car worth $4,000 with a $1,200 annual premium may not justify full coverage.
  • Vehicle Age ≥ 10 Years
    • Market Value: Typically under $3,000. The cost of repairs often exceeds the vehicle’s value.
    • Recommendation: State-minimum (PIP/PDL) or liability-only is sufficient. Full coverage is rarely cost-effective unless the vehicle has low-mileage or rare features.
• Step 2: Evaluate Financial Risk Tolerance
  • Can you afford a $500–$2,000 deductible if your vehicle is stolen or totaled?
    • If yes, a state-minimum policy may suffice.
    • If no, full coverage provides peace of mind despite higher premiums.
  • Do you drive in high-risk areas?
    • Florida’s hurricane-prone regions (e.g., Miami-Dade, Broward) increase the likelihood of comprehensive claims (e.g., wind/hail damage).
    • Urban areas (e.g., Orlando, Tampa) have higher theft and vandalism rates, making comprehensive coverage more valuable.
• Step 3: Check Lender/Lease Requirements
  • If your vehicle is financed or leased, the lender requires full coverage. Dropping collision/comprehensive may void the loan agreement.
  • Example: A 2023 Honda Civic with a $20,000 loan balance must maintain full coverage until the loan is paid off.
• Step 4: Compare Premiums vs. Vehicle Replacement Cost
  • Use the 80% Rule: If the cost to repair or replace your vehicle exceeds 80% of its actual cash value (ACV), full coverage is justified.
    • Example: A $5,000 vehicle with $4,000 repair costs (80% of ACV) may not need full coverage.
  • Florida-Specific Example:
    • A 2015 Toyota Camry (5 years old) with a $6,000 ACV and $1,500 annual premium for full coverage may not be cost
      

      

      Insurance Providers and Market Trends in Florida

      Florida’s car insurance market is shaped by a mix of national insurers, regional providers, and state-specific programs designed to address unique risks such as high traffic density, frequent natural disasters, and a significant population of high-risk drivers. Understanding the competitive landscape—including market share, pricing strategies, and customer satisfaction—helps drivers make informed decisions while navigating Florida’s regulatory environment. Additionally, emerging trends like usage-based insurance (UBI) and risk mitigation programs are redefining policy structures, particularly for newly licensed drivers or those with poor driving records.

      The Florida insurance market balances affordability with risk management, often requiring drivers to meet strict financial responsibility laws. Below, key insurers are compared based on their market presence, policy offerings, and customer feedback, alongside an analysis of how state-specific programs influence insurability.
      

      Market Share and Customer Satisfaction of Top Insurers in Florida

      Florida’s insurance market is dominated by a mix of national carriers and regional providers, each offering variations of basic liability, PIP (Personal Injury Protection), and property damage coverage. Data from the National Association of Insurance Commissioners (NAIC) and J.D. Power’s 2023 Florida Auto Insurance Study highlight the top five insurers by market share, customer satisfaction, and policy pricing. These providers cater to diverse driver profiles, from low-risk urban commuters to high-risk populations in rural or high-theft areas.

      Below is a comparative table outlining the starting prices for basic policies (liability, PIP, and collision/comprehensive minimums), notable discounts, and customer service reviews for leading insurers, including both national and Florida-specific options:
      

      Insurer	Basic Policy Starting Price (Annual)	Notable Discounts	Customer Service Reviews (J.D. Power 2023)
      Geico	$1,200–$1,800	Good driver discount (up to 15%) Multi-policy discount (10–15%) Federal employee/military discount (5–10%) Usage-based (PayLess) discount (varies by mileage)	Customer satisfaction: 4/5 (above-average for claims handling) Strengths: Competitive pricing, strong digital tools Weaknesses: Limited local agent support in some regions
      State Farm	$1,500–$2,200	Steer Clear® teen driver program (up to 20% for safe teens) Drive Safe & Save (usage-based, up to 30%) Accident-free discount (5–10% after 3+ years) Good student discount (10%)	Customer satisfaction: 4/5 (highest-rated for agent interactions) Strengths: Extensive local agent network, strong claims payouts Weaknesses: Higher premiums than some competitors
      Progressive	$1,300–$1,900	Snapshot® usage-based discount (up to 30%) Continuous coverage discount (5%) Paperless discount (3%) Bundle discount (10–15% for home/auto)	Customer satisfaction: 3/5 (average for claims, below average for billing) Strengths: Flexible payment plans, strong UBI program Weaknesses: Mixed reviews on claims processing speed
      Auto-Owners Insurance (Regional)	$1,400–$2,100	New car discount (5–10%) Anti-theft device discount (10%) Homeowners bundle discount (15%) Mature driver discount (50+ years, 5%)	Customer satisfaction: 4/5 (highest in regional category) Strengths: Personalized service, strong in rural Florida Weaknesses: Limited availability in urban areas
      Citizens Property Insurance Corporation (State-Owned)	$2,500–$4,000+ (high-risk drivers)	Risk mitigation discounts (e.g., defensive driving courses, 5–10%) Loyalty discount (after 3+ years, 5%) No usage-based discounts (focus on risk reduction)	Customer satisfaction: 2/5 (lowest due to high premiums and limited coverage options) Strengths: Last-resort option for uninsurable drivers Weaknesses: Slow claims processing, high costs

      Key Observations:
      
    • Geico and Progressive lead in affordability and digital engagement, targeting cost-sensitive drivers.
    • State Farm and Auto-Owners prioritize customer service and localized support, appealing to drivers seeking personalized assistance.
    • Citizens Insurance serves as a safety net for high-risk drivers but at significantly higher costs, reflecting Florida’s Assigned Risk Plan for those unable to secure private insurance.

    Impact of Florida’s High-Risk Driver Programs on Insurability

    Florida’s insurance market includes specialized programs to address the challenges posed by newly licensed drivers, high-risk individuals, and those with poor driving records. The Florida Responsible Driving Program (FRDP) and the Florida Driver Improvement Course are two critical initiatives designed to lower premiums for at-risk populations while ensuring financial responsibility. These programs influence insurability by offering structured pathways to lower costs, though participation often comes with mandatory requirements.

    Programs and Their Effects:
    Florida’s Financial Responsibility Law (F.S. § 324.021) mandates minimum coverage, but drivers with violations (e.g., DUIs, at-fault accidents, or suspensions) face elevated premiums or exclusion from private markets. The following programs mitigate these risks:

    1. Florida Responsible Driving Program (FRDP)
    

    • Target Population: New drivers (under 25), drivers with minor violations, or those transitioning from out-of-state policies.
    • Requirements: Completion of a Basic Driver Improvement (BDI) course (4–8 hours) or a 4-hour Traffic Collision Avoidance Course for specific violations.
    • Impact on Premiums:
    • Up to 20% reduction in annual premiums for 3 years post-completion (varies by insurer).
    • Insurability: Allows high-risk drivers to qualify for private insurance instead of Citizens.
    • Example: A 19-year-old driver with a speeding ticket may see premiums drop from $4,500/year to $3,500/year after completing the course.

    2. Florida Driver Improvement Course (FDIC)
    

    • Target Population: Drivers with 3+ points on their license or specific traffic violations (e.g., reckless driving).
    • Requirements: 4–12 hour course, approved by the Florida Department of Highway Safety and Motor Vehicles (FLHSM

    Claims Process and Common Challenges in Florida

    Florida’s car insurance claims process involves distinct stages, from initial reporting to final settlement, with strict deadlines and legal nuances that directly impact policyholders. Understanding the procedural steps, common disputes, and Florida-specific legal frameworks—such as Personal Injury Protection (PIP) timelines and comparative negligence—ensures smoother resolutions and fair compensation. Below is a structured breakdown of the claims workflow, frequent challenges, and actionable guidance for policyholders navigating Florida’s insurance landscape.
    

    Step-by-Step Claims Process for Basic Policyholders

    Florida’s claims process begins immediately after an accident and requires prompt action to preserve rights under state law. Delays in reporting or documentation can jeopardize coverage, particularly for PIP benefits, which have strict 14-day notification requirements. The process involves five critical phases: immediate reporting, evidence collection, claim filing, negotiation, and settlement, each governed by Florida statutes (e.g., §627.736 for PIP, §627.7407 for property damage).

    Key Steps in the Claims Process:

    1. Reporting the Accident
       Notify the insurance provider within 14 days for PIP claims (mandatory under Florida law) and as soon as possible for property damage or bodily injury claims. Failure to report within this window may result in PIP benefit denials. For hit-and-run or uninsured motorist incidents, policyholders must file a police report within 10 days and notify the insurer immediately.

       Florida Statute §627.736(2)(a): "An insurer shall not deny a claim for PIP benefits based solely on the failure to provide notice if the insured provides notice within a reasonable time after becoming aware of the injury."

    2. Documenting the Incident
       Gather evidence including:
       • Police report (if filed), with incident number and officer contact details.
       • Photos/videos of vehicle damage, injuries, and road conditions (timestamped).
       • Witness statements (names, contact info, and brief accounts).
       • Medical records (ER visits, diagnostic reports, and treatment plans).
       • Repair estimates or invoices for property damage.
       Florida’s no-fault system requires PIP claims to include medical records proving injury within 14 days of the accident.
    3. Filing the Claim
       Submit a formal claim to the insurer via:
       • Online portal (if available).
       • Phone or in-person at an insurance agent’s office.
       • Mail/fax with supporting documents (use certified mail for critical deadlines).
       The insurer has 30 days to acknowledge receipt of the claim and 45 days to approve or deny it (per §626.9541, Florida Insurance Code).
    4. Investigation and Negotiation
       The insurer assigns an adjuster to evaluate:
       • Liability (if fault is disputed).
       • Medical necessity of PIP benefits (e.g., chiropractic, physical therapy).
       • Property damage repair costs (using industry standards or comparable vehicle values).
       Policyholders may receive a Partial Payment Offer (PPO) for PIP medical expenses, which can be challenged if deemed inadequate.
    5. Settlement and Disbursement
       If the claim is approved, compensation is issued within 5–15 business days (varies by insurer). For denied claims, policyholders have 30 days to appeal or seek mediation. Unresolved disputes may escalate to Florida’s Office of Insurance Regulation (OIR) or civil litigation.

    Common Claims Disputes in Florida and Resolution Strategies

    Florida’s insurance claims are prone to disputes due to its no-fault PIP system, comparative negligence rules, and insurer practices targeting low-ball settlements. The most frequent conflicts involve PIP benefit denials, property damage valuations, and liability disputes, often exacerbated by insurer delays or misinterpretations of policy language. Below are the top three disputes and proven resolution tactics.

    1. Personal Injury Protection (PIP) Benefit Denials
    Insurers commonly deny PIP claims for pre-existing conditions, late reporting, or lack of medical documentation. Florida law requires PIP to cover "emergency medical services" and "reasonable medical expenses" related to the accident, but insurers may argue:
    

    • The injury was not causally linked to the accident.
    • The policyholder failed to mitigate damages (e.g., delaying treatment).
    • The 14-day PIP deadline was exceeded.

    Resolution Steps:

    1. Challenge the Denial in Writing
       Request a second review from the insurer’s claims department, citing Florida Statute §627.736(5), which mandates PIP coverage for "reasonably necessary" medical services.
    2. Engage an Independent Medical Exam (IME)
       If the insurer disputes the injury’s severity, policyholders can obtain an IME from a licensed physician (at their own cost) to counter the insurer’s assessment.
    3. File a Complaint with the OIR
       If the insurer refuses to reconsider, submit a complaint to the Florida Office of Insurance Regulation, which can compel a fair review under §626.9541.
    4. Pursue Legal Action
       For willful denials, policyholders may sue for bad faith under §624.155, seeking punitive damages if the insurer acted in bad faith (e.g., intentional delay or deception).
    2. Property Damage Valuation Conflicts
    Insurers often undervalue repairs or total vehicle losses by:
    
    • Using pre-loss market value (not replacement cost) for totaled vehicles.
    • Applying depreciation to parts or labor estimates.
    • Offering low-ball settlements for cosmetic damage.

    Resolution Steps:

    1. Obtain Multiple Repair Estimates
       Present the insurer with three independent repair quotes to justify the claim. Florida law requires insurers to pay "reasonable" repair costs (per §627.732).
    2. Dispute the Total Loss Valuation
       If the vehicle is declared a total loss, request the actual cash value (ACV) based on Kelley Blue Book (KBB) or NADA Guides, not the insurer’s internal database.
    3. Leverage Florida’s "Diminished Value" Claims
       Policyholders may seek additional compensation for the post-accident depreciation in resale value, even if the vehicle was repaired. This requires proof of the vehicle’s pre- and post-repair market value.
    4. Escalate to Appraisal
       If negotiations fail, Florida law allows policyholders to demand a binding appraisal (§627.7407), where an independent appraiser determines the fair value.
    3. Liability Disputes Under Comparative Negligence
    Florida’s pure comparative negligence law (§768.81) reduces a claimant’s compensation by their percentage of fault. For example:
    
    • If a policyholder is 30% at fault in a $100,000 claim, they receive $70,000 (not $100,000).
    • Insurers may argue shared fault to minimize payouts, even in clear-cut cases.

    Real-World Example:
    *A policyholder rear-ended by a distracted driver receives a $50,000 settlement. However, the insurer alleges the policyholder was 20% at fault for following too closely, reducing the payout to $40,000. The policyholder disputes this, providing:
    

    • Dashcam footage proving the other driver was texting.
    • Witness statements confirming the other driver ran a red light.
    • Traffic camera evidence (if available).
    The case settles at $45,000 after mediation, reflecting a 10% fault adjustment based on new evidence.*

    Resolution Strategies:

    1. Gather Evidence of the Other Party’s Negligence

       Florida’s basic car insurance system, though structured around mandatory coverages, offers flexibility through add-ons, provider competition, and evolving market trends. From deciphering the nuances of personal injury protection (PIP) under the no-fault model to leveraging discounts or bundling strategies, informed decisions reduce exposure to penalties and unnecessary expenses. The claims process, while straightforward, demands proactive documentation and an understanding of comparative negligence rules to ensure fair settlements. Ultimately, mastering these essentials empowers drivers to navigate Florida’s insurance landscape with confidence, balancing legal adherence with personalized risk management.

       FAQ

       What is the minimum car insurance coverage required in Florida?

       Florida’s minimum car insurance requirements are 10/20/10: $10,000 for property damage liability per accident, $20,000 for bodily injury liability per person (up to $40,000 per accident), and $10,000 for personal injury protection (PIP). Florida does not require collision or comprehensive coverage, but uninsured/underinsured motorist coverage is optional unless rejected in writing.

       What types of car insurance are required by law in Florida?

       Florida law mandates property damage liability, bodily injury liability, and personal injury protection (PIP). Collision and comprehensive coverage are optional, though lenders may require them for financed vehicles. Uninsured/underinsured motorist coverage is optional but recommended.

       How can I find the cheapest basic car insurance in Florida?

       To find affordable basic coverage, compare quotes from multiple insurers (e.g., Geico, State Farm, Progressive, or local providers), maintain a clean driving record, and consider raising deductibles or bundling policies. Florida’s no-fault system keeps PIP costs standard, but liability limits affect premiums.

       What does basic coverage for car insurance include in Florida?

       Basic Florida coverage includes liability (property damage and bodily injury) and PIP, which pays medical bills and lost wages for you and passengers, regardless of fault. It does not cover damage to your own vehicle unless you add collision/comprehensive.

       What is the state minimum car insurance in Florida for 2024?

       The state minimum for 2024 remains 10/20/10 for liability and PIP, with no required uninsured motorist coverage unless you opt out. Florida’s no-fault system means PIP is mandatory, but limits are set by law.

       What does minimum coverage car insurance in Florida protect me from?

       Minimum coverage protects you from lawsuits for property damage or injuries you cause to others (up to policy limits) and covers your medical bills and lost wages through PIP. It does not cover repairs to your car or injuries from uninsured drivers unless you add optional coverages.

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