[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?

[spk7951]

When my wife & I went to the emergency room last month, as a result of a golf cart vs car accident, we gave the ER our health care coverage info. Subsequently all bills for the ER, doctor visits, prescriptions, tests etc have gone to our health care provider. We notified them about the situation and they said as long as the other driver was at fault this was OK and they would seek re-reimbursement from his auto insurance when all treatments were completed. (We do have golf cart insurance but did not think to get the policy info from the cart before heading off to the hospital).

We have found that AARP auto insurance is the best price here. Of the three insurance carriers we checked all wanted to give us a package price for car & home but we still made out better using AARP for car and presently are shopping for lower prices for our homeowners renewal.

[chuckinca]

We have always carried the least medical coverage in our auto policy that was allowed - that's what your medical insurance is for.

.

[villages07]

Before moving down here in late 2006, I called AARP/Hartford, The Villages Insurance, and GEICO for quotes. I got the best deal with GEICO.

I had to change companies because the company I had in MD does not write policies in FL.

[GatorFan]

http://www.fldfs.com/

In Florida, no fault insurance is only a part of your automobile policy. Separate Medical Payment coverage can also be purchased as well as uninsured/underinsured motorist coverage. Allstate introduced a new automobile policy in Florida Jan 1, 2009 and also offers accident forgiveness, safe driver bonus, deductible rewards and much more. I think you would be surprised at the premium cost. Very competitive.

Your medical insurance will pay excess after all other coverage's are exhausted.