Florida Injury Blog

Full Coverage Insurance – Miami Insurance Claim Lawyer Informs

The Perazzo Law Firm 

Jonathan Perazzo, personal injury lawyer and founder at the Perazzo Law Firm, shares valuable insight on Full Coverage Insurance; it doesn’t exist!


Full coverage insurance in Florida for motor vehicles typically refers to a comprehensive auto insurance policy that provides extensive protection for both the driver and their vehicle. While there isn’t an official legal requirement to carry full coverage insurance in Florida, it is highly recommended and often required by lenders or leasing companies if the vehicle is financed or leased.

Full coverage insurance in Florida usually includes two primary components: liability coverage and physical damage coverage. Let’s take a closer look at each:

  1. Liability coverage: This component of full coverage insurance is designed to protect the policyholder in case they are at fault in an accident that causes injury or property damage to others. In Florida, the minimum liability coverage required by law is $10,000 for property damage and $10,000 per person and $20,000 per accident for bodily injury. However, it’s generally advisable to carry higher liability limits to provide better financial protection.
  2. Physical damage coverage: This part of full coverage insurance includes two main elements:

    a. Collision coverage: This coverage pays for damages to your vehicle caused by a collision, regardless of fault. For example, if you collide with another car or hit a stationary object like a tree or a fence, collision coverage will help cover the repair or replacement costs.

    b. Comprehensive coverage: This coverage protects your vehicle against non-collision-related damages, such as theft, vandalism, fire, hail, falling objects, and other unforeseen events. Comprehensive coverage is particularly important in Florida, where hurricanes and severe weather can pose significant risks to vehicles.

It’s worth noting that full coverage insurance does not necessarily mean every possible peril is covered. There may be specific exclusions or limitations outlined in the policy, so it’s crucial to carefully review the terms and conditions.

In addition to liability and physical damage coverage, full coverage insurance in Florida may also include other optional coverages such as uninsured/underinsured motorist coverage (protection if you’re involved in an accident with a driver who lacks insurance or has insufficient coverage) and personal injury protection (PIP) coverage (coverage for medical expenses and lost wages regardless of fault).

The cost of full coverage insurance in Florida varies depending on several factors, including the driver’s age, driving history, type of vehicle, coverage limits, and deductible amounts. Shopping around and comparing quotes from multiple insurance providers is advisable to find the best coverage at a competitive price.

Remember, the information provided here is a general overview, and insurance policies can vary. It’s essential to consult with an insurance professional or an agent who can provide specific details about full coverage insurance options in Florida and help you choose a policy that suits your needs.

If you, a friend, or relative has been involved in a motor vehicle accident and suffered personal injury or financial losses, contact the Perazzo Law Firm ONLINE for a FREE initial consultation and ZERO OUT-OF-POCKET FEES.


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