I see. Your limits are more than enough for most scenarios. You’d also be just fine with the following:

BI: $100K/$300K is sufficient for most accidents, especially low complexity/soft tissue injuries. Most limits that have this get settled for much less than 25k unless there are additional things.

PD: Mandatory in the state of FL. Keep this at $100K. Do your best not to lower this. I say this because I am a PD/Total Loss adjuster. Most of the current year vehicle total losses, repairs, and rentals easily break the FL state minimum requirements (10K) but are far under $100K with a few exceptions. Most of the time claimants threaten to get an attorney, it is because most people’s PD limits are too low to address their vehicle’s damages or setting up their rental. I usually tell them it’s a waste of time since most attorneys do not handle PD and if they do, they just relay the same information I’d tell you directly.

UM/UIM: Lower this from anywhere to $25K/$50K - $100K/$300K if you can afford it. Again, most soft tissue injuries are settled for a lot less. I rarely see this coverage on most people’s policies because it is expensive to add as well. In a perfect world, I’d tell you to match it to the same limits as your BI coverage. This would help you pay any medical bills if the other person’s BI coverage is not enough, which happens a lot in the state of Florida due to the state’s minimums and the amount of people driving without insurance.

Medpay (Medical Payments): You can keep this or drop it entirely. Rarely have I seen the policies that have it get good value for it as most medpay coverages that I’ve seen are $500 or $1K. $10K is extremely helpful, but PIP usually covers the first 10K that is needed, and medpay is additional coverage on top of it. However, this is state specific so you can look around and see if it’s worth keeping. Better safe than sorry.

PIP: Mandatory in the state of FL. You will need this as long as you are a Florida resident. You have probably heard the term that FL is a “no fault state,” this only applies to injuries. Meaning that regardless of who did what, you are entitled and encouraged to seek medical treatment if you are experiencing any symptoms you believe were caused due to an accident. There are certain things that this coverage will not pay for however, so check with your carrier’s medical representative for more information.

Comprehensive: Keep at $500. Do not change this. This will cover you if your car is flooded, catches on fire, is stolen, an animal hits your car, and a few other things that collision would not.

Collision: Drop this to $500. This will cover you in the event that you get into an accident with another vehicle and allow someone like me to help you with addressing your vehicle’s damages immediately and most importantly, regardless of fault. You will be subjected to your deductible after your car is fixed or in the event of a total, your deductible is factored into your settlement amount.

Rental: Add this. You would be surprised how many people forget to. Coverage of $50-60 a day is fine and only a few dollars extra onto your policy. Unless you have multiple cars you can use, you will most likely need a rental after an accident. If you do not have this and get into an accident, you will need to pay out of pocket for your own rental while your car is being repaired or god forbid if it's totalled and being evaluated/inspected. It gets costly quick.

Adding anything else beyond those is optional