While Florida law mandates the minimum amounts of coverage you must purchase, you always have the option of purchasing higher amounts of coverage on your property injury protection and property damage liability coverage.
Also, for those looking for more comprehensive coverage, most Florida car insurance companies will offer the following types of optional coverage:
- Comprehensive – This coverage will pay for damages to your car that do not result from accidents, e.g., scratches to your car's paint due to vandalism.
- Collision – This coverage will pay for accident-related damages to your car.
- Towing and labor.
- Uninsured/underinsured motorist – This coverage will pay for damages incurred by incidents with drivers who do not have insurance.
- Rental car coverage.
Bodily Injury LiabilityOne of the major reasons that Florida requires no-fault car insurance is to protect FL drivers from being sued after an accident. However, if you get into an accident, there's still a chance the victim(s) will sue you, especially if one or more victims suffers severe injury or if there is a fatality.
To help cover you in these cases, you can get Bodily Injury Liability (BIL) car insurance in Florida. If you have BIL coverage and you are found responsible for an accident, this coverage helps to pay for injuries to the victims of that accident, up to the coverage limits of the policy.
Bodily injury liability coverage will even help pay for the cost of a lawyer if you are sued after an accident.