A Quick Guide to Auto Insurance Requirements in Florida

Every state has its auto insurance requirements, as all states mandate specific coverage for all drivers. Although most drivers follow the law with proper licensing, registration, and insurance, some drivers fail to meet Florida auto insurance requirements.  Here’s a brief look at the insurance you need to drive in Florida legally.

How Much Car Insurance Is Required to Drive Legally in Florida?

Based on Florida auto insurance requirements, you need to carry at least $10,000 for personal injury protection (PIP) and the same amount for property damage liability (PDL).

Disclaimer for Bodily Injury Liability

Florida does not require drivers to carry bodily injury liability insurance, but it’s still a good idea to have it. This coverage pays for medical expenses and damages that affect victims if you cause an accident. Florida is a no-fault state, but someone injured by your driving can still sue you.

What Does “No-Fault” Liability Mean?

About a dozen states, including Florida, use the “no-fault liability” approach to insurance coverage. No-fault liability in the insurance world means each driver involved in a crash is reimbursed by their insurance policy, regardless of who was at fault. However, victims can still sue drivers who lack sufficient coverage.

What Is PIP?

PIP stands for Personal Injury Protection, required by law for all Florida drivers. This coverage reimburses you, your family members, and passengers for medical expenses and lost wages if involved in an accident. It may also provide coverage to a pedestrian injured in the crash.

Other Types of Optional Auto Insurance Coverage

Beyond Florida auto insurance requirements, motorists should still seek the best possible coverage to avoid financial disruption if an accident occurs. Here are common types of auto insurance to consider:

  • Bodily injury liability – pays medical bills and lost wages for victims.
  • Collision – pays for damage to your vehicle during an accident.
  • Comprehensive – covers damage caused by incidents other than collisions such as hurricanes, storms, and floods.

Various other types of insurance exist, such as towing and roadside assistance. It’s up to you if you want to extend your coverage with these add-ons. If you own a brand new or classic car, you might need higher coverage limits to protect against theft and vandalism.

Ideally, your coverage limits should reflect your driving risks, depending on factors like how often you drive and where you travel. Contact us at Locke Insurance Group for more information on securing the right auto insurance coverage in Florida for your personal needs.

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