Car Insurance in Miami

• $10,000 in PIP. Pays your own medical bills and some lost income after a crash, whoever caused it. It usually pays 80% of reasonable medical bills and 60% of lost income, up to the limit.
• $10,000 in property damage liability. Pays for damage you cause to other people's property.

The 14-day rule. You must get medical care within 14 days of a crash to use your PIP. Unless a qualified provider finds an emergency medical condition, PIP may pay only up to $2,500.

Heavy rain, king tides, and hurricanes can flood Miami streets.

• Only comprehensive pays for flood damage to your own car. Liability and PIP don't.
• Never drive through standing water. It takes very little to stall or float a car.
• Buying a used car? Run the VIN through the National Insurance Crime Bureau's free VINCheck, and look for flood signs like a musty smell, silt under the carpet, or rust in odd places.

Learn what comprehensive covers.

• Uninsured drivers, which raise the cost of claims for everyone.
• Flooding and storms, which raise comprehensive claims.
• Heavy traffic.
• Your ZIP code, driving record, car, and coverage.

Not a quote or an offer. Your price comes from the insurance company.

• "Does this quote include bodily injury liability? At what limits?"
• "Do I have uninsured motorist coverage?"
• "Do I have comprehensive for flood and hurricane damage?"
• "Is a rental car covered if my car floods?"
• "What's my PIP deductible?"

The catch: Florida's minimum covers your own injuries and other people's property, but not injuries you cause. If you hurt someone badly, you could be sued personally. Bodily injury liability is worth pricing out, even though Florida doesn't require it for most drivers.