I can’t tell you how many times I hear, “but I had full coverage.” 🤯 But what does that mean? Bodily Injury (BI): if someone hurts you in an accident you make a claim against their BI. BI is NOT required in Florida. Uninsured/underinsured Motorist: if the person that hurt you doesn’t have BI or doesn’t have enough BI you make a claim against your UM. UM is NOT required in Florida. PIP: Florida drivers must have a minimum of $10,000.00 in PIP. Your PIP is primary if you are h