Liability coverage helps pay for:

• Injuries to other drivers and their passengers if you’re at fault (bodily injury liability)
• Damage you cause to another person’s vehicle or property (property damage liability)

Liability coverage is what keeps you legally insured in most cases, but it doesn’t repair your own car after an at-fault accident.

Collision helps pay to repair or replace your vehicle after a crash—regardless of fault—subject to your deductible. It typically applies when:

• You hit another vehicle
• You hit an object (like a pole or guardrail)
• Your car rolls over

Insurance companies often require collision coverage if your vehicle is financed through a car loan.

Comprehensive helps cover damage to your vehicle from non-collision events, such as:

• Theft
• Vandalism
• Fire
• Hail / storm damage
• Falling objects
• Animal strikes (like hitting a deer)

Comprehensive is also subject to a deductible.

Uninsured Motorist (UM) coverage can help protect you if you’re hit by a driver who has no insurance (or not enough insurance in certain scenarios, depending on the coverage type). This is important because not every driver on the road carries proper coverage.

Florida rules can be technical here—if you have questions about UM/UIM, call 833-730-3030 and we’ll explain it in plain English based on your needs.

In Florida, MedPay is more common than PIP. MedPay can help pay for medical expenses after an accident, regardless of fault, up to your selected limit. It can be especially helpful if you want extra protection beyond health insurance deductibles and copays.