What Type of Car Insurance Is Required by Law in Florida

Personal injury liability insurance (BIL) is generally not required in Florida. However, if you have been convicted of drunk driving, the BIL is required for a period of three years after your licence is recovered. If you were convicted after October 1, 2007, you must have coverage of $100,000 per person and $300,000 per accident. You must also cover at least $50,000 in property damage. On the other hand, property damage liability is insurance that covers costs related to damage you or someone driving your insured vehicle has caused to someone else`s property. For a minimum coverage policy, your insurer will cover up to $10,000 of the cost. After an accident, the parties involved must provide the authorities with proof of insurance. If you do not comply with the current PIP and PDL insurance for your vehicle, you will be penalized for a traffic violation and your license will be revoked. Unlike other states, Florida`s auto insurance requirements do not include coverage for bodily injury. Instead, state drivers must have at least $10,000 for personal injury protection (PIP) and $10,000 for property damage liability. Yes, Florida requires all drivers who drive motor vehicles in the state to have auto insurance.

Sunshine State drivers must have proof of insurance with them every time they drive. If you have a car accident or are arrested by the authorities, you must provide your proof of insurance to law enforcement. Comprehensive insurance covers losses resulting from incidents other than a collision. Examples would be fire, theft, storm, vandalism, flooding or beating an animal. Damage caused by falling objects is also covered by this Directive. If you have full coverage, windshield replacement is the only claim for which you will not be charged a deductible. Florida law requires this waiver to encourage drivers to immediately replace damaged windshields. PIP refers to the coverage of medical expenses due to a car accident.

It covers the policyholder and passengers during the incident. If you get the minimum requirement in Florida, your insurance company will pay up to $10,000 for health care costs, regardless of who is at fault. Health insurance covers medical expenses beyond those covered by PIP resulting from an accidental injury. Health insurance differs from liability insurance in that it covers the medical expenses of you, your family members, and your passengers, regardless of who is « to blame. » Health insurance applies regardless of whether the injury occurs in your car or someone else`s car, or on the street as a pedestrian. Keep in mind that health insurance also covers the medical costs of car accidents beyond those covered by PIP. To determine how much auto insurance you should have, you need to assess your needs and situation as a driver. While minimal auto insurance in Florida may be sufficient for some drivers, MoneyGeek generally recommends comprehensive coverage of at least 50/100/50 for additional protection. Mark Fitzpatrick is Senior Content Manager at MoneyGeek, specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts degree. BIL pays for the serious and permanent injury or death of others if your car is involved in an accident and the driver of your car is at fault. This policy covers injuries caused by you and loved ones who live with you, even if they drive someone else`s car.

It also covers people who drive your car with your permission. With this type of policy, the insurance company will also pay for your legal defense if you are sued. Leasing companies may ask you to purchase additional car insurance. In most cases, Florida`s minimum auto insurance is not enough. The majority of leasing companies will require drivers to have comprehensive auto insurance, which usually has at least 100/300/50 coverage. This means that if you plan to lease a vehicle in the state, you will likely need $100,000 for personal bodily injury liability, $300,000 for accidental bodily injury, and $100,000 for accidental property damage. However, Florida car rental insurance requirements may change depending on the company. Contact your leasing company to find out about the minimum coverage requirement. Absolute. In fact, some level of auto insurance is the law in all but two states (Virginia and New Hampshire). In Florida, you must have proof of insurance with you when driving, and it must be up to date.

In the event that you are arrested or have a car accident, law enforcement will ask you to provide this evidence. Registering a new vehicle also requires you to have proof of Florida coverage. Florida`s auto insurance requirements are extremely low. For this reason, drivers are strongly recommended to purchase coverage beyond the state`s minimum requirements. Low minimum limits may not effectively cover the majority of expenditure. As a result, you run the risk of having to pay the balance of these costs out of your own pocket. The documents required to apply for self-insurance include all of the following: You must purchase liability insurance of at least $10,000, although we recommend that you purchase more. Adding additional liability coverage isn`t expensive and can save you from having to pay thousands of dollars out of pocket if you`re at fault in a car accident.

Note that this coverage does not cover damage to your own car or personal belongings. Currently, there are twelve states that operate under « no-fault » responsibility, including Florida. Being a no-fault state means that each person pays their own accident costs – regardless of the fault. This is insurance law. However, keep in mind that if an accident causes someone more damage or injury than your insurance policy covers, they have the right to sue you for damages. If you`re a Florida driver, make sure you have at least the minimum insurance required by law. If you have been seriously injured in a car accident involving an uninsured driver, or if your insurance policy cannot adequately cover the cost of a car accident caused by someone else, you should contact Lorenzo & Lorenzo`s car accident attorneys in Tampa. Uninsured motorist insurance (UM) pays when you, your passengers or family members are struck by a « faulty » person who does not have insurance or who does not have sufficient liability insurance to cover all the damage you have suffered. This applies whether you are driving in your car, driving in someone else`s car, or being hit by a car as a pedestrian.

UM insurance is also valid in the event of a hit-and-run or a « ghost » vehicle accident. UM insurance covers medical expenses, loss of income (beyond your PIP coverage), bodily injury, illness, illness or death as a result of a car accident that you and your passengers suffer. A CARCO inspection is an auto insurance requirement in Florida before insurance testing, which means someone physically assesses your vehicle and records its condition before you can purchase insurance.