Mickey Keenan P.A.
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Bodily Injury

Bodily Injury coverage provides compensation to those injured in an accident, when the accident is the fault of the policy holder. So if you injure another driver (or even your own passenger), the injured party can bring a claim against you. In that event, your insurance company would step in to handle the claim for you. However, your insurance company will only protect you up to the limits of your BI coverage.

Medpay

This is optional coverage over and above your PIP benefits. Medpay is also no-fault insurance, and will pay for the 20% medical bills uncovered by PIP up to the amount of your Medpay coverage limit. Some policies carry $5,000 in Medpay, while others carry $2,000 or $10,000. The amount you purchase, or whether you purchase it all, is completely up to you.

Collision

If you carry collision on your automobile insurance policy, your insurance carrier will pay for damage you sustain to your own car, whether you were at fault or not. Although Florida does not require collision coverage, consumers often benefit from having it on their policy for a few reasons.