The minimum mandatory insurance coverage in Florida is:
- $10,000 Personal Injury Protection (PIP) – This insurance covers you in an accident regardless of who is at fault, and pays for portions of costs such as medical expenses, lost wages, and resulting child care expenses. PIP also pays a $5,000 death benefit.
- $10,000 Property Damage Liability (PDL) – This portion pays for damage you or a family member cause to others while driving. ‘Property’ may include fences, buildings, cars or telephone poles.
You must obtain Florida auto insurance if you own and have registered a vehicle with at least four wheels.
If you required SR22 or FR44, Florida Auto Insurance Requirements will be different
As a Florida car insurance consumer, you have the right to:
- Choose your own insurance company and agent
- Purchase your policy without the influence of discrimination
- Obtain a fair coverage quote
- Receive copies of all forms and applications, including your policy, within 60 days
- Have your claim investigated in a proper and timely manner
- Acquire payment for necessary repairs, or for the value of your car, within 20 days of signing a settlement agreement
- File a complaint with your insurance company
Bodily injury liability insurance is not required by law but you can be penalized for not having it if you are deemed responsible in a car accident. If you have been convicted of certain types of violations or been in an accident where you couldn’t pay for the damages, you will be required to carry this type of coverage.
Many people spend a portion of their year in the Sunshine State and the remainder of it elsewhere. If you have a car in Florida for more than 90 days throughout the year, you must purchase at least the minimum personal injury protection and property damage liability coverage.
