Personal injury protection will cover the cost of medical bills and treatment to a value of 80% of the insurance coverage ceiling. It is important to check auto insurance quotes to see if coverage is also provided if the policyholder is acting as a pedestrian or a cyclist. Property damage liability will cover the cost of repairs to the vehicle of a third party and the repair or replacement of any other items damaged as a result of a road traffic accident. This can include anything from personal items inside another vehicle to the fencing or home of a third party individual.
Florida state law may make other factors compulsory when car insurance quotes are being compared. Motorists with a string of driving violations may find that they have to purchase increased levels of personal injury protection and property damage liability. If the driver has been in a previous accident, they may be required to take out bodily injury liability in the same manner as residents of Tort states. The usual levels applied in these cases are $10,000 worth of bodily injury liability per person and $20,000 per accident.
Motorists in Florida with DUI convictions will usually be punished even further and it is often compulsory for them to purchase bodily injury liability insurance to a level of $100,000 per person and $300,000 per accident. Personal injury protection and property damage liability coverage may also rise and these costs will usually become apparent when auto insurance quotes are being studied for the first time after an incident.