Automobile and Personal Lines Coverages
Personal auto policy
The PAP has six parts: A - Liability, B - Medical Payments, C - Uninsured/Underinsured Motorists, D - Damage to Your Auto (collision and other-than-collision), E - Duties After an Accident or Loss, and F - General Provisions. Liability pays third parties; Parts B and C are first-party benefits. Collision covers upset or impact with another object; other-than-collision (comprehensive) handles theft, fire, glass, and animal strikes.
Florida's no-fault rules
Florida requires $10,000 Personal Injury Protection and $10,000 Property Damage Liability on private passenger autos. PIP pays 80% of reasonable medical expenses and 60% of lost wages, plus a $5,000 death benefit, regardless of fault. Initial medical services must be obtained within 14 days of the crash or the claim is barred. Uninsured motorist coverage must be offered and is presumed unless the named insured rejects it in writing. Florida also mandates insurers offer wind mitigation and hurricane deductibles expressed as a percentage of Coverage A.
Homeowners and dwelling forms
HO-3 (open perils on the dwelling, named perils on contents), HO-5 (open perils throughout), HO-4 (renters), HO-6 (condo, with loss assessment), HO-8 (older homes). Coverages A–F: dwelling, other structures, personal property, loss of use, personal liability, medical payments to others. Flood and most watercraft are excluded and require a separate NFIP/dwelling flood policy, typically with a 30-day waiting period.
Worked example / rule of thumb
An insured with PIP incurs $10,000 in medical bills and $5,000 in lost wages: PIP pays $8,000 medical (80%) plus $3,000 wages (60%) - total $11,000, capped by the $10,000 policy limit, so the actual payment is $10,000.
Rule of thumb: PIP, MedPay, and UM are first-party; Part A is the only liability coverage on the PAP.