Driving in the Sunshine State comes with unique risks, and simply meeting Florida's minimum PIP (Personal Injury Protection) requirements may leave your assets dangerously exposed after a serious accident. Our independent brokers break down exactly what liability limits you need to secure your financial future, shield your savings, and protect your real estate investments from the fallout of an unforeseen event. Don't let a low premium be a high-stakes gamble.
The allure of low rates often leads drivers to purchase the state-mandated minimum coverage. In Florida, this means carrying Personal Injury Protection (PIP), which covers you regardless of fault. However, PIP only goes so far—it typically covers 80% of your medical bills and 60% of lost wages, capped at $10,000. For any serious accident, this limit is almost immediately exhausted.
The real risk lies in inadequate Bodily Injury Liability (BIL) and Property Damage Liability (PDL). If you are found at fault in a major crash, the lawsuit won’t stop at your low policy limits. Attorneys will look directly at your most significant assets: your home, your savings, and your investments.
As an independent brokerage, Total Property Insurance doesn’t just check a box; we perform a Personal Asset Review to recommend liability limits that actually protect your financial portfolio. We shop multiple top-rated carriers to find a comprehensive policy that balances high liability limits with a competitive premium. Our goal is to ensure that your auto insurance acts as a true shield, preserving the stress-free life and real estate investments you’ve worked hard to build in Florida. We believe your car insurance should secure your total property—not expose it.
Discover how to drive smarter, safer, and fully protected.
Go beyond minimum coverage with a policy designed for total protection. From liability limits to asset reviews, we’ll help you drive with complete confidence in Florida’s unpredictable roads.