Florida State Minimum Car Insurance Requirements

As a motorist in the state of Florida, it is important to know the minimum auto insurance requirements. In this article, you will learn the necessary coverage you need to stay legal and safe on the roads.

Personal Injury Protection Insurance (PIP)

One of the most important types of auto insurance coverage in Florida is Personal Injury Protection, or PIP insurance. This type of coverage pays for the medical expenses, lost wages, and other costs you incur if you are injured in an automobile accident. Florida state law requires that all drivers carry at least $10,000 in PIP coverage. This coverage is also referred to as “no-fault” insurance because it pays for your medical expenses regardless of who is at fault for the accident.

Property Damage Liability Insurance (PDL)

Another important type of auto insurance coverage required by Florida state law is Property Damage Liability, or PDL insurance. This coverage pays for any damage you cause to another vehicle or property in an automobile accident. Florida law requires that all drivers carry at least $10,000 in PDL coverage.

Bodily Injury Liability Insurance (BIL)

Bodily Injury Liability, or BIL insurance, is another type of coverage required by Florida state law. This type of coverage pays for medical expenses and other costs incurred by the other driver if you are at fault in an automobile accident. Florida state law requires that all drivers carry at least $10,000 in BIL coverage.

Uninsured and Underinsured Motorists Coverage

Florida state law also requires all motorists to carry Uninsured and Underinsured Motorists Coverage, or UIM coverage. This coverage pays for your medical expenses and other costs if you are injured in an automobile accident caused by an uninsured or underinsured motorist. Florida law requires that all drivers carry at least $10,000 in UIM coverage.

Comprehensive and Collision Coverage

Although not required by Florida state law, Comprehensive and Collision Coverage is strongly recommended. This type of coverage pays for any damage to your vehicle caused by an accident, theft, or other non-collision incident.

Conclusion

To remain legal and safe on the roads in Florida, it is important to have the proper insurance coverage. All motorists must carry at least $10,000 in Personal Injury Protection, Property Damage Liability, Bodily Injury Liability, and Uninsured and Underinsured Motorists Coverage. Additionally, Comprehensive and Collision Coverage is strongly recommended. By understanding the necessary insurance requirements, you can stay compliant with the law and make sure you are covered in the event of an accident.