Vehicle Insurance 17

Question 1

1. What does PIP cover (At-Fault)?

Answer 1

It can pay up to 80% of your injury costs, and up to 60% of lost wages if you can’t work due to injuries caused by the accident. If you’re unable to perform regular household tasks, PIP can also help pay for substitute services like cooking and cleaning.

Question 2

2. Why can’t drivers sue for medical expenses?

Answer 2

In spite of the no-fault moniker, drivers can still sue an at-fault driver for medical expense after serious accidents in florida. Lawsuits can be filed if the accident resulted in permanent or fatal injuries or disfigurement. BODILY INJURY LIABILITY COVERAGE can financially protect at-fault drivers if a lawsuit is filed, but only up to the limits you choose on your policy.

Question 3

3. What is are optional coverages in florida?

Answer 3

1. Comprehensive
2. Collision
3. Towing and labor
4. CarMatch Rental Coverage (essurance company)
5. Auto loan/lease (or GAP)
6. Medican and funeral services payments
7. Uninsured/underinsured motorist bodily injury

Question 4

4. Is electronic proof of insurance allowed in florida?

Answer 4

yes.

Question 5

5. Uninsured motorist coverage is mandatory because:

Answer 5

It is OPTIONAL. It is an optional policy addition that helps pay injury and property damage costs for you and your passengers if you’re ever involved an accident with an uninsured or underinsured driver.

Question 6

6. What are the factors that are taken into consideration when determining auto insurance rates in florida?

Answer 6

1. Driving record, claims history, and prior insurance history.
2. Coverage selections, limits, and deductibles
3. The year, make and model of your car.
4. Age, gender, marital status, and number of years licensed
5. ZIP code where your vehicle is parked or garaged