Auto Insurance Terms You Should Know

In the attached video, attorney David Fenstersheib of Fenstersheib Law Group breaks down the most common — and most confusing — auto insurance terms that every Florida driver should understand. If you’ve ever looked at your policy and wondered what “PIP,” “BI,” or “UM” really mean, this quick video will clear things up and help you make sense of your coverage. Florida’s no-fault insurance system can be tricky, but knowing how each type of coverage works is key to protecting yourself financially after a crash. As David explains, PIP (Personal Injury Protection) covers 80% of your initial medical bills up to $10,000 — regardless of who caused the accident. BI (Bodily Injury Liability) covers injuries you cause to others, while UM/UIM (Uninsured or Underinsured Motorist) coverage protects you when the other driver doesn’t have enough insurance. You’ll also hear about PD (Property Damage) coverage, which pays for damage you cause to another vehicle or property, and Comprehensive and Collision coverage, which protects your own car from crashes, theft, or natural disasters. And if you lease or finance your vehicle, Gap Insurance can be a lifesaver — covering the “gap” between what your car is worth and what you still owe if it’s totaled. Insurance companies don’t always make these terms easy to understand, and the wrong coverage can leave you paying thousands out of pocket after an accident. That’s why it’s so important to review your policy with an experienced attorney who can explain your rights and help you make informed decisions. If you’re unsure about your coverage — or if you’ve been injured in an auto accident — call Fenstersheib Law Group today or visit TellFLG.com for a free consultation. Our team will help you understand your policy, navigate your claim, and fight for the compensation you deserve. Don’t wait until it’s too late — protect yourself and your family by getting clarity on your auto insurance today.