Most people feel it means that they have all the coverage they need to drive a car and be fully protected from any personal liability if they are at fault in an accident in which someone is hurt or dies.
Some people feel that it means they have enough insurance coverage to legally drive a car and not be in violation of Florida law if they are in an accident, even if someone is hurt or dies.
Others may have another explanation of the meaning of full auto insurance to fit their financial circumstances regarding the cost of insurance.
Florida law allows someone to drive a car if they only have pip (personal injury protection) and property damage coverage. Pip is only for the benefit of the insured driver and does not pay for the injury and damage of the person who is hit.
You do not need to have bodily injury coverage to drive in Florida. Bodily injury coverage is for the benefit of people who are injured. However, you still are legally responsible if you injure someone in an accident. You can be sued and a judgment rendered against you for the amount of the damage you caused. The law provides that if a judgment is obtained, the state has the authority to suspend licenses, tags and registrations for up to 20 years or until the judgment is satisfied.
To keep your license and be allowed to drive, if no judgment is obtained, you will be required to purchase additional coverage for bodily damage. The new premium for this coverage is extremely expensive and can be difficult to obtain.
If you have no insurance coverage when in an accident, your license will be suspended for at least 3 years.
For more information go to the website for the Florida Department of highway safety and motor vehicles. http://flhsmv.gov/DDL/frfaqcrash.html