Reference · Florida

Florida Department of Financial Services - Personal Automobile Insurance Overview (PIP, property damage liability, bodily injury, UM, collision, comprehensive, total loss, claims)

Publisher: Florida Department of Financial Services, Division of Consumer...
Edition: undated page
Last checked: 2026-09-29
Status: Publication of the Florida Department of Financial Services, Division of Consumer Services

Edition and licensing notes

Publisher. Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com)

Edition. undated page; retrieved 2026-09-29

Status. Publication of the Florida Department of Financial Services, Division of Consumer Services.

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What this document is

Florida Department of Financial Services - Personal Automobile Insurance Overview (PIP, property damage liability, bodily injury, UM, collision, comprehensive, total loss, claims) is a reference published by Florida Department of Financial Services, Division of Consumer Services (www.myfloridacfo.com). It is one of the Florida documents that insurance license exam questions are written from, including florida personal lines, florida claims adjuster practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

Florida Department of Financial Services, Personal Automobile Insurance Overview, Common Coverages Available in Florida (Property Damage Liability)
“pays for damage to, or destruction of, 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 Department of Financial Services, Personal Automobile Insurance Overview, Common Coverages Available in Florida (Bodily Injury Liability)
“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.”
Florida Department of Financial Services, Personal Automobile Insurance Overview, Most Common Concerns (Non-Disclosed Operators)
“Some policies allow permissive use of an insured vehicle as long as the operator doesn't live with you or have regular use of your vehicle(s). You should always check your policy to determine who is covered to use your vehicle(s), since some policies cover only the operators listed in the policy.”
Florida Department of Financial Services, Personal Automobile Insurance Overview (undated page retrieved 2026-09-29), Common Coverages Available in Florida (PIP)
“pays 80 percent 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,...”
Florida Department of Financial Services, Personal Automobile Insurance Overview (undated page retrieved 2026-09-29), Common Coverages Available in Florida (comprehensive and collision)
“Comprehensive or Other than Collision Coverage: pays for damage to a vehicle from incidents other than a collision including: fire, theft, windstorm, vandalism or flood. It also covers damages caused by falling objects or from hitting an animal. Collision Coverage: pays to repair your vehicle if it...”
Florida Department of Financial Services, Personal Automobile Insurance Overview (undated page retrieved 2026-09-29), Common Coverages Available in Florida (collision)
“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.”
Florida Department of Financial Services, Personal Automobile Insurance Overview (undated page retrieved 2026-09-29), Common Coverages Available in Florida (UM)
“Uninsured/Underinsured Motorist (UM) Coverage: 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...”
Florida Department of Financial Services, Personal Automobile Insurance Overview (undated page retrieved 2026-09-29), Definitions (Stacked/Non-Stacked UM)
“Florida law requires that a company add together, or "stack" Uninsured/ Underinsured (UM) coverage unless otherwise rejected in writing. For example, if an insured has three vehicles, and each has a UM limit of 50/100 ($50,000 per person/$100,000 per accident) those limits are added together,...”
Florida Department of Financial Services, Personal Automobile Insurance Overview (undated page retrieved 2026-09-29), Common Coverages Available in Florida (rental reimbursement)
“Rental Reimbursement: provides for replacement transportation up to a specified limit shown on the policy. It applies if your vehicle is inoperable, or unsafe to operate following a covered loss. Some insurance companies will pay the rental vehicle provider directly, however others require that...”
Florida DFS Personal Automobile Insurance Overview, Definitions (Actual Cash Value)
“Section 626.9743(5), Florida Statutes lists a number of methods or sources which may be used to determine the ACV of a particular pre-owned vehicle, including the cost of two (2) or more comparable vehicles, the retail cost as listed by a motor vehicle industry electronic database or guidebook, or...”
Florida DFS Personal Automobile Insurance Overview, Most Common Concerns (Diminished Value)
“Florida courts have agreed this may be a covered loss in a third party PD claim but not a first party physical damage claim.”
Florida DFS Personal Automobile Insurance Overview, Most Common Concerns (Claim Delay)
“Also, when multiple claimants are involved and there are questions as to whether the liable party's PD coverage limit will be sufficient to pay for all of the damage, most insurers will not pay any claimant until the full extent of the damage is determined, including estimates (or demands) from all...”

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