Minimum Car Insurance In Florida
Tuesday, June 18, 2024
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Minimum Car Insurance Requirements In Florida
Car Insurance Requirements In Florida
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Understanding PIP Coverage
PIP coverage is required for all drivers in Florida and must be purchased from an insurance company. PIP coverage pays for medical costs, lost wages, and other expenses related to an accident, regardless of who is at fault. PIP coverage also pays for the cost of replacement services, such as childcare or housecleaning, if the driver is unable to perform them due to an accident. PIP coverage is only available to the driver, not to passengers in the vehicle.
Understanding PDL Coverage
Minimum Coverage Requirements
The minimum amount of coverage required by law in Florida is $10,000 for PIP and $10,000 for PDL. This means that if a driver is in an accident and the damage done to other people’s property is more than $10,000, the driver will be responsible for paying for the additional costs. Drivers are also required to carry uninsured motorist coverage in the amount of $10,000. This coverage pays for medical expenses if the driver is in an accident with an uninsured driver.
Additional Coverage Options
While the minimum amount of coverage is required by law, drivers may choose to purchase additional coverage. This includes collision coverage, which pays for damage done to the vehicle, and comprehensive coverage, which pays for damage done to the vehicle that is not caused by an accident, such as theft or vandalism. Drivers may also choose to purchase medical payments coverage, which pays for medical expenses that are not covered by PIP coverage.
Conclusion
Car insurance is an important part of driving in Florida. Drivers must purchase a minimum amount of car insurance in order to drive legally in the state. The minimum required coverage is PIP and PDL, which pays for medical costs and property damage, respectively. Drivers may also choose to purchase additional coverage, such as collision and comprehensive coverage. It is important to be aware of the minimum requirements and to purchase the appropriate amount of coverage in order to stay safe and legal on the road.
