Guide details how auto insurance coverages apply across three crash scenarios

Drivers who do not understand their policy limits risk paying out-of-pocket for vehicle repairs, rental cars, or medical bills after an accident, especially given that over 15 percent of motorists lack insurance entirely.

• •Liability insurance pays for harm caused to others, while collision coverage fixes your own car after a crash after meeting a deductible.
• •Comprehensive coverage handles vehicle damage from non-collision events such as theft or falling tree limbs.
• •Bodily injury liability and uninsured or underinsured motorist coverages are not legally required in Florida.
• •A 2025 Insurance Research Council study found that 15.4 percent of drivers were uninsured in 2023.
• •The combined share of uninsured or underinsured drivers reached 33.4 percent, or one in three motorists.
• •Liability insurance is required by law in 49 states and Washington, D.C.
• •Drivers can lower premium costs by insuring multiple vehicles on one policy, paying in full, maintaining continuous coverage, participating in telematics programs, or keeping a clean driving record.
• •Policyholders are advised to review their declarations page annually or following major life changes like a new job, a new car, or adding a teen driver.