Understanding Your Auto-Insurance Coverage
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Understanding Your
Auto-Insurance Coverage

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In his 1967 interview with Muhammed Ali, famous journalist and friend Howard Cosell said,  You are being extremely truculent today, Champ. To which Ali bombastically replied, Whatever truculent means. If it’s good. I’m that! (Fittingly, the word truculent means aggressively defiant.)

Over the years we’ve talked with scores of potential clients who have had Muhammed Ali’s same blind optimism when it comes to the terms of their auto-insurance policies. Whatever PIP, PD, or UM is. If it’s good, I’ve got that! is the overall posture. Unfortunately, in most cases, the people who have come to us have assumed they have a lot more insurance coverage than they actually do.  Those abbreviations (PIP, PD, UM, BIL, PD) represent important types of coverage that could really help in the wake of an auto accident related personal injury.

Let’s take a moment to simplify.  Any auto insurance policy can made up of various types of coverage, but they all do one of two things: 1) protect you from harm 2) protect other people from harm.

All of the various types of coverage fall into those two categories. With that in mind, let’s look at some of the terms you should know in each category.

Coverage That Protects OTHERS

  • PD stands for Property Damage Liability coverage


  • BIL stands for Bodily Injury Liability coverage

These two coverages combine to create what’s called Liability Coverage. The state of Florida requires you have a minimum of $10,000 PDL coverage.
Coverage That Protects YOU.


  • PIP stands for Personal Injury Protection coverage


  • UM stands for Uninsured Motorist coverage (which we highly recommend).

In addition, to PDL coverage, the state of Florida requires you have a minimum of $10,000 PIP coverage as well.

Hopefully, this explanation of terms has helped shed some light on the importance of knowing what kind of insurance policy you have. Assuming you have full coverage would be a mistake, if you haven’t taken the time to understand and investigate. Take a moment to speak with our experienced personal injury team at Neufeld, Kleinberg, & Pinkiert to find out more about what kinds of things you should consider when obtaining an auto-insurance policy that protects you and your family.

Call today to get started on your case.