I live in Florida and am looking for cheaper auto insurance. I know that PIP is required in Florida but wouldn't it make sense to get the cheapest PIP possible as long as you have adequate medical payments coverage? Aren't these essentially the same thing except for that medical coverage covers other people besides yourself? And if you have good health insurance, why have medical payments coverage? Also, why have uninsured motorist coverage if you have medical payments coverage? Isn't this like having double coverage for the same loss? Thanks.