pays for death or serious and permanent injury to others when you are legally liable for those damages. If you are sued, the insurer will provide legal representation until the insurer has paid the policy coverage limit.

pays for damage to, or destruction of, the tangible property of another, including loss of use, for which you are determined to be legally liable. If you are sued, the insurer will provide legal representation until the insurer has paid the policy coverage limit. Florida law requires a minimum of $10,000 of this type of coverage.

pays 80% of all necessary and reasonable medical expenses incurred as a result of a covered injury, regardless of liability. This includes medically necessary medical, surgical, x-ray, dental, and rehabilitative services, including prosthetic devices and medically necessary ambulance, hospital, and nursing services.

pays you for an accidental bodily injury, sickness, or disease, including death, when such an injury is the result of an automobile accident and the at-fault party does not have Bodily Injury (BI) Coverage, or has insufficient liability limits. Unlike PIP benefits, UM benefits are typically paid as a lump sum once the full extent of treatment has been determined, or rendered.

pays to repair your vehicle if it collides with another vehicle, flips over, or crashes into an object (except animals), regardless of fault. In the event that your vehicle is determined to be a total loss, the insurer will pay to replace it. The amount paid by the insurer is typically limited to the vehicle’s actual cash value (ACV) unless the specific value of the vehicle has been previously agreed to by both you and the insurer.