[NJblue]

I'm trying to figure out the right amount of insurance to buy under Florida's no fault insurance law. The way I understand it is that your own company pays your medical bills regardless of whose fault the accident was. The only exception to this is the event of significant disfigurement, permanent injury, death or similar extenuating circumstances.

If that is the case, in shopping around for policies I am perplexed at the number of policies whose limits for medical payments seem very low - some with the cap of $10,000 (which is the state minimum) and no ability to increase this. If my understanding of all this is correct, then if I were to be involved in an accident and end up in the hospital for anything more than a few days at the current costs of medical care, my auto insurance would no longer cover me. One agent that I spoke with said that then you would need to rely on your medical health insurance. Am I understanding this correctly and if so, does any of this make you nervous? Have you done anything to provide yourself additional coverage? If so, what? On the other hand, do regular health insurance policies routinely cover auto accidents and if so is there any reason to go beyond the minimum state mandated coverage of $10,000?

Finally, in shopping around there seems to be a wide range in insurance quotes for similar coverage, with the AARP rate through Hartford seeming exceptionally inexpensive compared with the others. What have others found in terms of quality insurance for reasonable premiums?