Florida law, like most other states, requires that drivers carry a minimum amount of insurance to legally drive a vehicle. While the state-required minimums might be enough to cover the costs of a minor fender bender, if you experience extensive property damage or medical bills, you may need more than the state minimums to ensure you’re protected.
Florida auto insurance requirements differ from many other states, so keep reading to make certain you’re fully covered while driving in the Sunshine State.
Florida minimum car insurance requirements
Nearly all states have laws outlining the minimum amount of insurance a driver must have to legally drive in that state.
To register and drive a motor vehicle in Florida, you must show proof of insurance coverage in the amounts of:
$10,000 in personal injury protection
$10,000 in property damage protection
The amounts listed are the minimum, so it is recommended to have more than the state-mandated requirements if you can afford it.
Personal injury protection (PIP) covers 80% of your medical expenses and up to 60% of lost wages, regardless of who is at fault in an accident. If your policy allows, PIP insurance may also cover costs other than medical bills, like loss of income or funeral expenses.
To be eligible for PIP benefits, you must receive initial medical care or services within 14 days of the accident.
PIP coverage is sometimes called “no-fault insurance” and is a requirement in states with no-fault accident laws. Eighteen states in the U.S., including Florida, have them.
In no-fault states like Florida, drivers involved in an accident can only make PIP medical claims against their own insurance policies, not against the person who caused the accident. Even if you are severely injured in an accident caused by another driver, you can only file