Auto Accident Insurance: Injury Coverage Explained

Auto Accident Insurance Injury coverage explained: Personal Injury Protection (PIP), Bodily injury (BI), Uninsured Motorist (UM), Call 813-672-4100 for a free car insurance quote.

Auto Accident Injuries and How they Effect Your Insurance

It only takes a moment of distraction—or simply being in the wrong place at the wrong time—for you to find yourself in an auto accident. Preliminary stats show that in 2024, there were more than 375,000 vehicle crashes in Florida, and more than 158,000 of them involved injures. Auto accident insurance protects you from the financial hardships that bodily injuries from a car accident can cause.

Three Ways Injuries are Covered with Car Insurance

Since injury costs after a serious accident can quickly mount into the multiple thousands of dollars, as a Florida driver, you should be aware of your coverage option for injuries, for yourself, your family, and your passengers. And what if you injure someone in an at-fault accident? Having the right amount of auto accident insurance coverage can protect you against the costs of ambulance fees, hospital bills, surgery, medical bills, and other injury related expenses.

Here’s a quick explanation of three basic ways injuries are covered under a Florida auto insurance policy.

Personal Injury Protection (PIP)

Your first line of defense in Florida is personal injury protection (PIP). PIP pays for 80 percent of necessary and reasonable medical expenses for you (and usually your resident relatives), up to the limits of your policy, regardless of who is at fault in an accident. Because it pays regardless of who is at fault in an accident, this coverage is often called no-fault insurance. PIP sometimes also pays for lost wages, certain disability or rehab costs, and death benefits to your family if you’re killed in an accident

Simply put, PIP is injury coverage for you and certain other covered household residents.

car accident with air bag deployed

Bodily injury

Bodily injury (BI) is coverage that pays for medical bills and related expenses for those in another vehicle who are injured in an accident in which you are at fault. This liability coverage protects your assets should the other party sue you for their medical expenses.

Bodily injury is coverage for others injured by you in an at-fault accident.

Woman with bodily injury after a car crash holding her neck from whiplash car injury

Uninsured motorist

Uninsured motorist coverage (UM) is additional coverage for your injuries or those of your passengers over and above your PIP if the responsible driver doesn’t have coverage to pay for your injuries, or if you’re injured in a hit-and-run.

Uninsured motorist coverage is additional injury coverage for you, if the one responsible for your injuries is uninsured or underinsured.

Note:  To buy uninsured motorist coverage, you must have bodily injury limits equal to your chosen uninsured motorist coverage.

What injury coverage is right for you?

Several factors help determine what injury coverage is right for you.

  • Do you have good health insurance that will pay for your injuries if they exceed your PIP coverage?
  • Do you have significant assets you want to protect from lawsuits?
  • Are there inexperienced drivers in your household who might be more likely to get into an auto accident?

The agents at L & M Insurance Group can help you find the right level of auto injury coverage for your needs, balancing financial protection from lawsuits or medical expenses against the cost of monthly premiums.

Auto Accident Insurance Specialists

As an independent agency, L & M Insurance Group will help you make the most of your insurance money. We represent multiple financially sound auto and homeowners insurance companies. We take pride in assisting our neighbors in Brandon, Riverview, Valrico, and surrounding areas of Florida to find the most cost-effective insurance options for them. Please call us at 813-672-4100 or contact us online for a free auto insurance quote.

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