What's the difference between bodily injury liability and personal injury protection in Florida?

Do I need both bodily injury and personal injury on my car insurance? Do they cover the same thing?

Answer
“The difference between bodily injury liability and personal injury protection is who they cover in an accident.
Bodily injury liability covers the injuries of others if you’re at fault in an accident. Personal injury protection covers you or your passengers injuries regardless of fault.
In Florida, you are required to carry personal injury protection and property damage liability. In most situations, bodily injury liability is optional.
If you choose to not carry bodily injury liability, you would be required to pay out of pocket for another party’s injuries if you’re at fault.
You can never be over insured. If you can afford it, it is beneficial to carry bodily injury liability in addition to personal injury protection.”
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Emily Maracle
Answered on Jul 06, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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