Abigail Ratchford & Gemma Farrell Not Your Average Oil And Water

Models Abigail Ratchford and Gemma Lee Farrell didn't need any help oiling up on the beach in Miami ... they had each other to do the job.

The two hit the sand again Tuesday in Miami and were a bit more covered up than last time. When we say a bit ... we mean this time there were no nipple sightings.

Doesn't seem like Gemma missed a spot on Abigail, although they should seriously consider a stronger SPF. Unclear who the third wheel is, but she fits in nicely.

Seemed like your average day in Miami ... they splashed in the Atlantic and then hit the Wynwood Walls where it looks like pants were optional.

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