The state of Florida requires all motorists to maintain a certain level of auto insurance. Mandatory car insurance in Florida differs significantly from coverage in many other states due to the state’s no-fault policy.
Florida auto insurance law does not require bodily injury liability coverage, which is mandatory in most states, rather than relying on personal injury insurance (PIP) for hurt.
The following article provides information on the minimum levels of car insurance required in Florida. The minimum amount of coverage required in the state of Florida is $10,000 for both PIP (personal injury protection) and PDL (property damage liability).
What exactly is PIP (personal injury protection)?
In Florida, there is no fault system. No-fault law means that your own personal injury insurance will cover you, up to your policy limit, no matter what the fault. Contrary to most states, Florida does not require its residents to purchase bodily injury insurance.
The medical expenses of someone injured in an accident caused by you are usually covered by your bodily injury liability. Instead, medical expenses are covered by the PIP. It is important to note that PIP insurance will not pay you for pain and suffering and legal action is necessary to be compensated for such damages.
Get Liability Insurance in Florida
The liability policy covers people who are injured or damaged if you cause an accident. You are never covered by liability insurance for injuries or damage to your property. The other driver is the only one who gets paid. Any damage you cause to another vehicle is covered by property damage liability.
Property damage caused by the driver’s fault remains the driver’s responsibility, although the $10,000 limit is relatively low. Therefore, it makes sense to increase these limits to avoid getting hurt.
What are the state-mandated auto insurance limits?
To drive legally, almost all states require a minimum amount of insurance. The limit is simply the lowest amount of insurance you can have without breaking the law. For relatively low premiums, you can increase these limits. Florida motorists are required to maintain liability insurance covering at least the amount mentioned earlier.
It’s important to comply with Florida’s requirements for car insurance
The responsive authorities require that anyone involved in an accident present proof of insurance. Licensed drivers whose vehicles do not have active property damage liability and personal injury insurance will be subject to a traffic violation penalty and have their license suspended. A first degree misdemeanor occurs if you knowingly provide a law enforcement officer with expired insurance information. You could be fined and sentenced to prison. Providing proof of auto insurance within 24 hours of the accident may void the ticket for failure to do so.
