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What are the Florida Car Insurance Requirements?

Florida drivers are required by law to maintain minimum insurance. While these limits are not very high, they must be maintained during the use of a vehicle.

The coverage that Florida requires is as follows:

  • For Personal Injury Protection (PIP): $10,000
  • For Property Damage Liability (PDL): $10,000
  • A deductible of up to $2,000 for PIP coverage and $500 for property damage liability can apply

What is PIP coverage?

Florida PIP is an important aspect of your car insurance. PIP coverage applies regardless of fault up to the limits of your policy. Because of this no fault aspect, the benefits of PIP apply to all parties including the person who is responsible for the accident.

PIP pays the following, up to the limits of your policy:

  • 80 percent of reasonable medical expenses
  • 60 percent of lost wages
  • $5,000 for death benefits

Important changes for Florida motorists

The most recent Florida PIP legislation requires accident victims to obtain treatment within 14 days for PIP to apply. In addition, an emergency medical condition must be shown for full medical benefits or there is a $2,500 limit.

While PIP can apply to medical expenses, costs of care after an accident can be exorbitant. Long-term care expenses can be crushing to families dealing with the aftermath of a catastrophic accident. It is smart to purchase additional coverage beyond the limits required by law.

Speak to your insurance broker to determine what appropriate levels and types of coverage would be best for you to carry. And in the event of an accident, do not hesitate to reach out to an attorney with auto accident experience.

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