“When comparing premiums with several insurance carriers, it is crucial to make sure all of the coverages are the same.
Florida’s insurance requirements are unique because drivers are not required to carry bodily injury liability
coverage. The minimum needed to drive is property damage
and personal injury protection(PIP). Take another look and make sure that The General
has bodily injury coverage listed in your quote; if not, that is why the price is so different.
While bodily injury liability isn’t required, it is strongly recommended to carry this protection anyway. Each driver’s PIP coverage will cover medical payments. Once this limit is exhausted or if there is a lawsuit due to lost wages or pain in suffering, the bodily injury liability would kick in. If you decline this coverage, you would be held personally responsible for the overages.”