What are the State Minimums for Auto Insurance in Florida?

What Do State Minimums for Auto Insurance in Florida Mean?

In Florida, there is a mandate that state minimums for auto insurance that every driver must carry to operate a vehicle legally. These requirements are designed to provide financial protection in an at-fault accident.

Personal Injury Protection

One key component of Florida‘s auto insurance requirements is personal injury protection (PIP). PIP is mandatory and can cover accident-related medical expenses regardless of who is at fault. If you are injured in an accident, your PIP may cover your accident-related expenses up to the policy’s limits. While all Florida drivers must purchase the minimum required amount of PIP coverage, this amount is not sufficient for everyone.

PIP does not cover damage to your vehicle or third-party property damage.

Property Damage Liability

Another essential component of Florida‘s auto insurance requirements is property damage liability (PDL) coverage. This type of coverage can provide financial protection for damage you cause to another person’s property while operating your vehicle. If you are at fault in an accident and damage someone else’s vehicle or property, your insurance may provide coverage up to the policy’s limits.

If you cause damage that exceeds your PDL policy’s limits, you may be held personally responsible for paying the remaining balance out of pocket. Your agent may recommend purchasing higher coverage limits for greater protection.

Consider Other Coverage

If you lease or finance a vehicle, the lienholder can require physical damage coverage, including comprehensive and collision insurance, to help cover the repair or replacement of your car after an incident or accident.

You can also customize your auto insurance to include auto glass coverage, rental reimbursement, roadside assistance and more.

Contact Us

Contact All Affordable Insurance Agency to learn about your Florida auto insurance options and get coverage tailored to meet your unique needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.