What does it mean to have full coverage?

In reality, there is no such thing. The term “legal coverage” refers to having PIP (Personal Injury Protection) coverage and a minimum of $10,000.00 in property damage coverage to address any property damage caused by you. When insurance agents mention “full coverage,” they are referring to this particular combination.
However, it’s important to note that this type of coverage is not sufficient. A comprehensive and adequate coverage entails having ample Liability Insurance to provide financial protection in case you are at fault, as well as Uninsured/Underinsured motorist coverage. This additional coverage safeguards you and your passengers in the event of an accident with an uninsured or underinsured individual, which is quite common in Florida.