Answer:
If you carry the minimum amount of insurance coverage in Florida and you're found liable for a crash, there are several expenses that may not be covered. It's important to note that the minimum insurance coverage in Florida typically includes Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage. Here are some expenses that may not be covered:
1. Medical expenses beyond the limits of your PIP coverage: The minimum PIP coverage in Florida is $10,000. If the medical expenses resulting from the crash exceed this amount, you may be responsible for paying the remaining costs out of pocket.
2. Non-economic damages: Non-economic damages, such as pain and suffering, emotional distress, and loss of enjoyment of life, are typically not covered by the minimum insurance coverage. These types of damages can be significant and may require additional coverage to protect yourself financially.
3. Damage to your own vehicle: The minimum coverage in Florida, which is PDL, only covers damage to other people's property. If your own vehicle is damaged in the crash, you would need additional coverage, such as collision coverage, to have the repairs or replacement costs covered.
4. Legal expenses: If you're found liable for the crash and legal action is taken against you, the costs of hiring a lawyer and any legal fees may not be covered by the minimum insurance coverage. Legal expenses can add up quickly, so having additional coverage, such as liability coverage, may be necessary to protect yourself financially.
It's important to consider these potential gaps in coverage when choosing your insurance policy. While the minimum coverage may meet legal requirements, it may not provide adequate protection for all potential expenses in the event of a crash. It's advisable to review your insurance policy and consider additional coverage options to ensure you have sufficient protection.
I hope this helps :)