Auto Insurance

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What is Included in Auto Insurance?

We want you to choose an automobile insurance policy that offers you the coverage you need. Learn the basics about Florida auto insurance and find out how the Culbertson Agency can help you get quality insurance coverage at an affordable rate.

Bodily Injury Coverage

Bodily injury liability coverage pays for expenses related to the injury of someone else due to an accident you are at fault for. Bodily injury coverage is not mandatory but may be for some drivers who have a history of previous traffic violations or accidents. In Florida, the minimum amount of BIL coverage is 10/20 – this breaks down to $10,000 of coverage per person, up to $20,000. Higher limits are recommended.

Property Damage Coverage

Property damage liability coverage pays for the damage you do to someone else’s property if you cause an accident. This can include any property, including someone else’s vehicle, their home, a mailbox, and other property that is damaged by you in an accident.

Property damage coverage also covers your legal defense fees. The minimum amount of this type of insurance required in the state of Florida is $10,000 per accident. Higher limits are recommended.

Uninsured/Underinsured Motorist Coverage

At least $10,000 per person and $20,000 per accident of uninsured/underinsured motorist coverage is required in Florida. This type of coverage pays for property damage and injuries caused by both at-fault uninsured motorists and at-fault motorists who do not have sufficient insurance to pay for your expenses.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) coverage provides for any injury-related costs, no matter who was at fault in the collision. Compensation is available for lost wages, medical expenses, funeral expenses, and other expenses incurred as a direct result of the accident.

In Florida, it’s mandatory to have at least $10,000 worth of PIP coverage, but automobile owners may purchase additional coverage. The loss of wages benefit may be dropped, or a deductible may be applied to help decrease monthly or annual insurance premiums. However, higher PIP coverage is recommended.

Comprehensive and Collision Coverage

These two types of coverage aren’t mandatory in Florida but may be purchased in addition to bodily injury liability coverage, property damage coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP).


Collision coverage pays for damage done to your vehicle in the event of a collision. Collisions can be with other vehicles or objects, and for this type of coverage, it does not matter who is at fault for the collision. Typically, collision coverage is required if a vehicle is financed or leased. If you need to use your collision coverage, you will need to pay a deductible.


Comprehensive coverage pays for damage done to your vehicle as a result of events that cannot be classified as a collision. For example, natural disasters like hail, fire, hurricanes, and tornadoes that damage your vehicle fall under comprehensive coverage. Hitting a deer and vehicle theft are also examples of events that would fall under this coverage.

Like collision coverage, comprehensive coverage also has a deductible that will need to be paid and is required for vehicles that are financed or leased.


Auto insurance has deductibles like other forms of insurance. A deductible is the amount of money you will need to pay toward the repairs of your vehicle. For example, if you have a $500 deductible and repairs to your vehicle will cost $3,000, you will only pay $500 and your insurance company will pay the remaining $2,500.

How much your deductible is has a significant influence on how much your auto policy costs every month or year. The lower your deductible, the higher your insurance premiums will be, and the higher your deductible, the lower the premiums.

Having a high deductible can seem like a great way to save money every month on the cost of your car insurance. However, when you are faced with paying the deductible after an accident, it’s often more difficult to come up with a larger sum of money to cover the cost of the deductible. Talk with an experienced auto insurance agency to learn more about choosing a deductible that fits your budget while still providing you with the coverage you need if you are involved in an accident.

Auto Insurance Endorsements

Many auto insurance companies offer a variety of endorsements that can be added to your policy. For example, endorsements can include:

  • Auto towing coverage. This pays for the cost of towing your vehicle, either after an accident or in the event of a breakdown.
  • Auto glass insurance. This offers a reduced or eliminated deductible if you need to repair a broken window or windshield on your vehicle.
  • Rental car coverage. This covers the expense of renting a vehicle when yours is being repaired due to a covered event. If you get into an accident, your insurance will pay for the cost of renting a car every day your car is in the shop.
  • Roadside assistance. Emergency roadside assistance covers the cost of on-site repairs, such as changing a flat tired. Often, roadside assistance is combined with auto towing coverage.

Contact the Culbertson Agency

The Culbertson Agency provides motor vehicle owners in Southwest Florida with comprehensive auto insurance coverage and support when things don’t go as planned. Call us today for more information about how to save on Florida car insurance and other types of coverage at (239) 210-7710 (Naples) or (239)-210-7700 (Fort Myers).

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