I was in an accident in a friend's car several years ago when visiting a friend in Jacksonville. I was taken to the hospital CT scan, needed therapy after, etc. Both my friend and myself were very surprised to find that her insurance ONLY covered her family members for injuries. She thought she was fully insured.
When I moved to TV and got insurance for myself, I discussed this with my new agent and she said that yes, this is standard with many companies in FL and coverage for other passengers is an add-on and must be requested.
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