Coverage, line by line
What each part of a Florida car insurance policy pays for, what it doesn’t, and what most drivers pick.
Required in Florida
Protect you from what others cost
Protect your own car
Collision
Collision coverage pays to fix or replace your own car after a crash, whoever caused it, minus your deductible.
Comprehensive
Comprehensive pays for damage that isn’t a crash: flood, hurricane, theft, fire, falling trees, hail and hitting an animal.
Full coverage
“Full coverage” isn’t a real policy name.
Gap and loan or lease payoff
Gap coverage pays the difference between your car’s value and what you still owe on the loan or lease if the car is totaled or stolen.
Rental and roadside
Rental reimbursement pays for a rental car while yours is in the shop after a covered claim, up to a daily and total limit.
Special situations
SR-22
An SR-22 isn’t a type of insurance; it’s a form your insurer files with the state proving you carry bodily injury and property damage liability.
FR-44
After a DUI conviction, Florida requires an FR-44: a filing proving you carry at least $100,000/$300,000 bodily injury and $50,000 property damage liability.
Non-owner car insurance
Non-owner car insurance gives you liability coverage when you drive cars you don’t own.
Rideshare and delivery
Personal car policies usually exclude driving for Uber, Lyft or delivery apps.