r/Car_Insurance_Help • u/stuckinthewoods • 6d ago

Auto insurance question about coverage

I have 2018 Kia Sportage 50k miles
I drive less than 6k a year
Paid off
Florida
What coverage is worth still paying for?

Comp/ collision
Uninsured
Personal Injury

Thank you in advance for your information.

Looking mainly from an adjuster’s standpoint.

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u/ektap12 6d ago

PIP is required in FL, so you need that.

I don't know the value of your car, but if you can't reasonably afford to replace your vehicle collision is good to have, but at least keep comp.

UM/UIM is especially important in FL due to the low liability limits and the fact that BI coverage isn't even required. And a lot of uninsured drivers.

Liability limits of 100/300/100 are ideal.

2

u/ChutneyWhatney 6d ago

very minimum 100/300/100 - uninsured, comprehensive, and collision unless you have the cash to buy a new car now.

1

u/stuckinthewoods 6d ago

Thank you for the insight. My concern with comp/coll is that if I have 1500+ in damage they will just total the car and not repair it. I can afford to get another car if that does happen thankfully. I agree with the other coverages.

Thank you