phillips, hunt & walker 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
phillips & hunt Results
$495+ Million Verdict
Phillips obtained one of the largest verdicts in American history of over $495+ Million dollars in the shooting death of Kalil McCoy. Her killer was also convicted in the criminal courts.
DetailsJordan Davis: Wrongful Death
Represented the family of Jordan Davis and assisted with criminal prosecution of Jordan's killer, handled media relations of internationally reported case and obtained confidential maximum available civil settlement.
DetailsMedical Malpractice
Confidential settlement of over 120 cases against a pediatric dentist who was also prosecuted. We also assisted with shutting his dental practice down. He no longer practices dentistry and was arrested.
DetailsAutomobile Accident
We received a record $2.6 Million Jury Verdict against Volusia County. It was one of the highest ever against Volusia County. Our trial was televised on Good Morning America and reported nationally.
DetailsRSD / CRPS Verdict
Obtained jury verdict in Jacksonville, Florida of over $900,000 and added attorneys fees of over $250,000 on a case State Farm only offered approximately $30,000 for years.
Details$1.1 Million Verdict Against Coca-Cola
We obtained an over $1 million jury verdict against Coca-Cola in moderate impact soft tissue damages case in Gainesville, Florida. Coca-Cola failed to even offer medical bills before trial.
DetailsBrain Injury Medical Malpractice
Phillips obtained a confidential settlement against a chiropractor who provided prescription pain medication to a boxer in advance of an Olympic qualifying fight. She sustained a brain injury due to secondary impact syndrome.
Details$1 Million Settlement
Client's child was tragically run over and killed by a motor vehicle in her driveway. Phillips and his team settled the case for over $1 Million without the need of filing a lawsuit.
DetailsOver $1 Million Settlement
Cliente recibió más de $ 1 millón en accidente automovilístico. También ayudamos a clientes que hablan español. We handle cases in English, Spanish and Creole.
DetailsContact Us
We invite you to review our verdicts, our accolades and awards and what clients have to say about us and give us a call for a free consultation where our lawyers will sit down with you personally. John represents clients in Florida, Georgia and Alabama with passion and compassion. He can be emailed at help@floridajustice.com or call us at (904) 444-4444.
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