What Is Personal Car Insurance Coverage?

Personal car insurance is designed to protect you, your passengers, and your vehicle from financial losses related to accidents, theft, injuries, and other unexpected events on the road. It includes required coverages to stay legal, and optional coverages to give you added peace of mind.

✅ Required Coverages

These are the minimum coverages most states require by law (including Florida):

1. Liability Coverage

Covers injuries and damages you cause to other people or their property.

• Bodily Injury Liability – Pays for medical expenses, legal fees, and lost wages for the other party.
• Property Damage Liability – Pays for damage to another person’s car or property (e.g., fence, mailbox).
• 🚨 Legally required in most states.

2. Personal Injury Protection (PIP)

Pays for your own medical expenses, regardless of who was at fault.

🏥 Required in no-fault states like Florida.

🚗 Optional Coverages (Highly Recommended)

These coverages aren’t required by law but offer important protection for your car and personal finances.

1. Collision Coverage

Pays for repairs to your car after an accident—whether you hit another vehicle or an object.

2. Comprehensive Coverage

Covers damage from non-collision events like theft, vandalism, fire, falling objects, and weather damage.

3. Uninsured/Underinsured Motorist Coverage (UM/UIM)

Protects you if you're hit by someone with no insurance or not enough insurance to cover your losses.

4. Medical Payments Coverage (MedPay)

Covers medical bills for you and your passengers, regardless of fault—great for covering deductibles or gaps in health insurance.

5. Roadside Assistance

Offers towing, battery jump-starts, flat tire service, and more when you're stranded.

6. Rental Reimbursement

Covers the cost of a rental car while your vehicle is being repaired after a covered claim.

7. Gap Insurance

Covers the difference between what your car is worth and what you still owe on a loan or lease—especially useful for newer vehicles.