A Primer on Florida’s Motor Vehicle Insurance Requirements

A Primer on Florida’s Motor Vehicle Insurance RequirementsFlorida has laws that govern insurance requirements for those holding a Florida drivers license and registering a vehicle in Florida. Various coverages like property damage coverage, personal injury protection, and bodily injury coverage are required.

To help clarify Florida’s insurance requirements, SmithLaw offers this primer:

Personal Injury Protection (PIP) This coverage applies to the insured driver’s injuries and the injuries of his/her passengers. It can often be applied to other pedestrian accidents the insured driver or his family might be in—like a bicycle accident.

Property Damage Insurance (PD) This covers damages caused by the insured to another person’s property while driving.   

Bodily Injury Protection (BI) This coverage helps cover injuries that you cause to others while driving.

Medical Payments (MP) Helps cover medical costs caused by a vehicle accident. This is a supplemental coverage.

Uninsured Motorist Coverage (UM) Helps cover injuries or property damage caused by an uninsured motorist.

No-Fault: Florida is a no-fault state. This requires drivers to carry a $10,000 minimum amount of personal injury coverage. This is financial help for injuries sustained during a vehicle crash regardless of who is at fault. This Florida law is quite controversial.

Florida Financial Responsibility Law: This law addresses the bodily injury and property damage insurance that Florida requires. This gets confusing…check out the Florida State Statutes 324.021 (7) for further information.

Please be aware that insurance professionals usually recommend that your coverage exceed the minimums required by law. Check with your preferred insurance provider to determine which coverages they recommend for your specific situation. Supplemental legislation also requires that some drivers carry additional coverage. These situations include things like prior a DUI or leasing a vehicle.

SmithLaw hopes this post clarifies some of Florida’s insurance requirements for you. Stay tuned for an upcoming post about how Florida’s personal injury protection laws (PIP) are changing because of recent legislation signed by Governor Rick Scott.

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