Full Coverage or Full of it

With drivers talking on cell phones, texting, or watching DVD's the road is a very dangerous place. It is ever so important to make sure you have the proper insurance coverage for your vehicles. A common misconception I hear from clients is "I have full coverage". When I ask what do you mean by "full coverage," I rarely get the answer that is important. Rather, I hear my agent said I have full coverage. Usually meaning what the law requires.
Lets examine what is required by the law of Florida. The law requires you to have $10,000.00 in Property Damage (PD) coverage and $10,000.00 in Personal Injury Protection (PIP) coverage. The law does not require you to maintain Bodily Injury coverage. What this means is that many drivers in Florida are driving without coverage to protect YOU. If someone without BI insurance hits your vehicle, you may not get compensated for your injuries unless you have Uninsured/Underinsured Motorist Protection (UM).
So next time someone tells you that you will have full coverage, see if they are selling you PD, PIP, UM and BI, if they are not, they're full coverage is full of it.
Do yourself a favor, if you are going to drive at all, get full coverage PD, PIP, BI and UM. Get as much as you can afford. In the tragic event you have to use your PIP and UM coverage, you will be glad you have it.