When you are first looking to get car insurance, whether it’s your first time or not, it can be confusing. If you are moving from a different state, this process can be especially unclear. Every state has different requirements when it comes to car insurance. Some are more intensive than others, and vice versa.
Florida Car Insurance Minimums
Florida’s “different” requirement when it comes to car insurance is that it is one of a handful of “no-fault insurance” states. This means that if you are injured in an accident, no matter who is at fault, your own insurance company will pay for medical costs up to your policy’s limits. In Florida, those minimum limits for coverage are:
- $10,000 of personal injury protection (PIP) insurance.
- $10,000 of property damage liability (PDL) insurance.
The PIP insurance you have, besides partly covering your own medical expenses, will also cover injuries to your child or other household members if they were injured in a crash, your child if they are injured on a school bus, yourself if you are injured as a pedestrian or bicyclist and passengers in your car who do not have their own PIP insurance and do not own a car (otherwise their own PIP coverage would provide for them).
Other Florida Car Insurance Coverage
Your Florida car insurance policy will also include Property Damage Liability coverage. This covers you for damage to someone else’s car/property in an accident you cause.
Optional Car Insurance in Florida
The above insurance coverages mentioned are the minimum you must have in Florida; however we recommend you purchase a few other coverages as well. As lawyers, we see what people get burned on for not having when it comes to car insurance. For example, comprehensive coverage will pay for damages that occur to your car that are not accident related, such as vandalism or scratches and dents. We also recommend collision coverage, which will pay for accident related damages to your car. Lastly we recommend uninsured motorist coverage which will pay for damages that happen by accidents with drivers who do not have insurance.
Lastly, to be extra safe you could purchase Body Injury Liability coverage which help cover you in case you cause an accident and the other driver has severe injuries that go beyond their own PIP coverage and they decide to sue you. Body Injury Liability coverage will help pay for injuries of the other party u to the coverage limits.