What kind of insurance do I need in Florida?

In Florida, drivers need two kinds of insurance, $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). Florida law also requires this car coverage on any vehicle driven in the state for more than 90 days during a 365-day period.

How much insurance do you need in Florida?

In Florida, you need $10,000 in property damage liability insurance to drive legally, as well as $10,000 in personal injury protection (PIP). Unlike most other states, Florida does not require every driver to carry bodily injury liability insurance.

What do you need for full coverage insurance in Florida?

Lawyers often use the term “full coverage” to mean the bare minimum protection required by law. In Florida, that equals $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL).

Do you need full coverage in Florida?

Because Florida has many seasonal residents, it's important to note that you must have an auto insurance policy in the state if you drive there more than 90 days within any given 365 days. This applies even if you have an out-of-state driver's license and registration.

Do you need comprehensive and collision coverage in Florida?

Although not required by Florida law, comprehensive coverage is typically required for individuals looking to lease or finance a vehicle. Lenders will require you to obtain full coverage before your loan can be processed.

What Insurance Do You Need in Florida?

Is Florida a no fault state?

Florida is a "no-fault" car insurance state, which means the insurance claim process is meant to be more efficient after a car accident, since your own insurance pays for your medical bills and other economic losses.

What are the 2 types of required insurance coverage to comply with Florida's no fault law?

The only two required forms of insurance are personal injury protection (PIP), which pays for your own medical bills after a crash, and property damage liability, which covers damage you cause to other people's property.

Is auto insurance mandatory in Florida?

Is car insurance in Florida required? Absolutely. In fact, having some level of car insurance is the law in every state except two (Virginia and New Hampshire). In Florida, you must carry proof of insurance with you whenever you drive and it must be current.

What is the minimum PIP coverage in Florida?

According to Florida insurance requirements, the minimum personal injury protection (PIP) coverage is $10,000. This amount can be used to cover up to 80% of the necessary medical care that results from a car accident.

How much insurance should I have on my car in Florida?

Recommended Coverage Limits: We suggest that you buy Bodily Injury Liability coverage in the amount of $100,000 per person/$300,000 per incident (accident), at a bare minimum. However, we suggest that you buy higher limits if you have substantial assets that you want to protect.

How much is personal liability insurance in Florida?

The Insurance Information Institute (III) reports that most people can purchase $1 million in extra liability coverage for just $150 to $300 a year. Additional coverage costs even less.

How much bodily injury liability do I need in Florida?

The Financial Responsibility Law requires bodily injury liability coverage of $10,000 per person and $20,000 per accident. That would be the minimum amount you should have to protect you from losing your license if you are in a car accident.

Do you really need uninsured motorist coverage in Florida?

No, uninsured motorist coverage is not required in Florida, as drivers can reject the coverage in writing. Still, insurance companies are required to offer at least $10,000 in uninsured motorist bodily injury coverage per person (up to $20,000 per accident).

Do I need personal injury protection in Florida?

In Florida, PIP coverage is required to be purchased by all owners of motor vehicles registered in this state. PIP coverage makes the individual responsible for their own injuries in an accident regardless of fault.

What does PIP coverage pay for in Florida?

PIP insurance in Florida is primarily used to pay for medical benefits following an accident. To be sure, the types of medical expenses that PIP insurance will cover include hospital expenses, surgical expenses, rehabilitation expenses, diagnostic services, ambulatory services, and other medical services.

What does basic car insurance cover in Florida?

Car insurance costs by company in Florida are based on the state minimum coverage of $10,000 PIP and $10,000 property damage liability coverage.

Can I register my out of state vehicle in Florida?

Registering an Out-of-State Vehicle

If you have an out-of-state motor vehicle, you must: Obtain a driver's license in Florida. Obtain auto insurance in Florida. Get a VIN check and official odometer filing done.

Which is the most important insurance to have?

Health insurance is the single most important type of insurance you'll ever buy. That's because if you don't have health insurance and something goes wrong, it's not just your money at risk -- it's your life. Health insurance is intended to pay for the costs of medical care.

Who pays for car damage in a no-fault state Florida?

Florida No-Fault Car Insurance Laws

Florida is a no-fault state, which means each driver carries their own insurance to cover medical bills and car repairs up to a certain amount. More specifically,Florida Statutes § 627.736 requires drivers to carry PIP and property damage coverage policies of up to $10,000.

What does liability insurance cover in Florida?

Liability coverage in Florida

If you cause an accident, liability insurance covers those injured or who suffer damages. Liability insurance never covers your injuries or damages to your property. It pays the other driver only. Property damage liability will cover the cost of any damage caused to another vehicle by you.

Is no fault insurance optional in Florida?

Florida is one of just two states that doesn't require bodily injury coverage. The bill passed by lawmakers would do away with “personal injury protection” coverage and end Florida's “no-fault” provision.

Can someone sue you for a car accident in Florida?

You have the legal right to take action against the driver who caused the accident and sue them for damages under Florida law. The Law Place will help you by proving the negligence of the other driver and negotiating with their insurance company to recover the compensation that you are owed in the State of Florida.

Can I lose my house due to at fault car accident in Florida?

Can you lose your house due to an at-fault car accident? In Florida, you cannot lose your house due to an at-fault car accident. The Florida homestead exemption, in most cases, will protect the home of the at-fault driver.

What two types of automobile insurance are mandatory in Florida?

General Information. Before you register a vehicle with at least four wheels in Florida, you must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) automobile insurance.

Do you have to carry bodily injury insurance in Florida?

Bodily Injury Liability coverage is not required to drive an automobile in Florida legally. However, it can be if you have been convicted of a DUI. Under Florida Statue 324.023, Financial responsibility for bodily injury or death, you must have bodily injury insurance if you are convicted of a DUI.