JACKSONVILLE Learn About Florida Car Insurance

Learn About Florida Car Insurance

Learn about Florida car insurance requirements, coverage options, and how to stay protected under the state’s no-fault system. Free consultation!

Learn About Florida Car Insurance

Understanding Florida car insurance laws can help you choose the right coverage and avoid penalties for non-compliance.

Florida law mandates that all vehicle owners with four or more wheels maintain the following minimum insurance coverages:

Personal Injury Protection (PIP): $10,000 Source: FLHSMV

Property Damage Liability (PDL): $10,000 Florida Legislature

PIP coverage addresses medical expenses and lost wages for you and certain others, irrespective of fault in an accident. PDL coverage handles damages you or your family members cause to another person’s property while operating a vehicle. Source: Florida Bar

Understanding Florida’s No-Fault System

As a no-fault state, Florida requires drivers to rely on their own PIP insurance for medical expenses after an accident, regardless of who is at fault. This system aims to reduce the necessity of litigation for minor accidents. However, it also means that PIP coverage is essential for covering your medical costs up to the policy limits.

Sources: The Zebra, Florida Bar

Optional but Recommended Coverages

While the state-mandated minimums provide a basic level of protection, they may not be sufficient in all scenarios. Consider the following additional coverages:

Bodily Injury Liability (BIL): Covers injuries you cause to others in an accident. Although not required in Florida, it’s advisable to carry BIL to protect yourself from potential lawsuits and significant financial liability. Source: Nerd Wallet

Uninsured/Underinsured Motorist (UM/UIM) coverage is essential in Florida due to the state’s high number of uninsured drivers. This coverage protects you financially if you’re involved in an accident with a driver who lacks sufficient insurance. UM/UIM can cover medical expenses, lost wages, and other damages resulting from such accidents. Given that Florida does not require drivers to carry bodily injury liability insurance, having UM/UIM coverage is especially important to protect yourself from potential financial hardship. Source: Progressive

• Comprehensive and Collision Coverage: Pays for damages to your vehicle from collisions, theft, vandalism, or natural disasters. If your vehicle is financed or leased, these coverages are typically required by the lender. Sources: Auto Insurance, The Zebra

Penalties for Non-Compliance

Failing to maintain the required insurance can lead to severe consequences, including fines, suspension of your driver’s license and vehicle registration, and increased insurance premiums. It’s crucial to ensure continuous coverage to avoid these penalties.

Source: Nerd Wallet

Special Considerations

Non-Residents: If you bring a vehicle into Florida for more than 90 days within a 365-day period, you must comply with the state’s insurance requirements. Source: Florida Auto Insurance Tool Kit

Vehicle Registration: Proof of Florida insurance is necessary to register a vehicle in the state. Ensure your policy is active before attempting to register your vehicle.

Understanding and adhering to Florida’s car insurance laws is essential for legal compliance and financial protection. While meeting the state’s minimum requirements is mandatory, evaluating your personal needs and considering additional coverages can provide enhanced security and peace of mind on the road.

Related: Jacksonville Car Accident Attorney