Do You Have To Have Car Insurance In Florida?

Introduction

If you are a Florida resident and own a car, you must carry a minimum amount of car insurance coverage. In the Sunshine State, drivers are required to have the following types of insurance coverage: Personal Injury Protection (PIP), Property Damage Liability (PDL), and Bodily Injury Liability (BIL).

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) is a type of car insurance coverage that is required in Florida. This coverage pays for medical expenses and lost wages for you, your passengers, and other authorized drivers of your car. PIP also covers medical expenses for pedestrians who are injured by your car, even if you are not at fault. The minimum PIP coverage in Florida is $10,000.

Property Damage Liability (PDL)

Property Damage Liability (PDL) is also a required type of car insurance coverage in Florida. PDL covers the cost of damages you cause to another person’s property in an auto accident. This coverage pays for repairs to another person’s car, home, or other property that you damage in an accident. The minimum PDL coverage in Florida is $10,000.

Bodily Injury Liability (BIL)

Bodily Injury Liability (BIL) is the third type of car insurance coverage that is required in Florida. BIL pays for medical expenses and lost wages for the driver and passengers of the other car if you are at fault in an accident. This coverage also pays for legal fees if you are sued as a result of an auto accident. The minimum BIL coverage in Florida is $20,000 for each person injured in an accident and up to $40,000 for all persons injured in an accident.

Conclusion

In the state of Florida, drivers must carry a minimum amount of car insurance coverage. The three types of coverage required are Personal Injury Protection (PIP), Property Damage Liability (PDL), and Bodily Injury Liability (BIL). The minimum coverage required for each type of insurance is $10,000 for PIP and PDL, and $20,000/$40,000 for BIL. Failure to carry the required amount of car insurance coverage can result in a suspension of your driver’s license and/or a hefty fine.