How Much Car Insurance Is Required in Florida

As a Florida car accident attorney, it is crucial for you to be well-informed about the state's auto insurance requirements to ensure you are adequately protected in the event of an accident. Florida law mandates that owners of motor vehicles with four or more wheels must carry a minimum of $10,000 in Personal Injury Protection (PIP) insurance and $10,000 in Property Damage Liability insurance.  There are different requirements for vehicles with less than four wheels, such as motorcycles. 

Personal Injury Protection (PIP) Insurance: PIP insurance provides coverage regardless of fault, offering up to $10,000 (minus deductibles) for medical expenses, lost wages, and death benefits. To qualify for PIP benefits, initial services and care must be received within 14 days of the accident. Coverage extends to the policyholder, relatives living in the same household, certain passengers, pedestrians, and bicyclists. PIP also covers acts of violence against the policyholder while driving, including injuries from road rage or carjackings.

For accidents occurring outside Florida but within the U.S. or Canada, PIP covers the policyholder and household relatives only when driving their own vehicle.

Property Damage Liability Insurance: Property Damage Liability insurance covers damage caused by you or your family members to another person's property while driving, including fences, telephone poles, buildings, and other vehicles. This coverage applies even if you are driving someone else's car, depending on your policy's terms.

Bodily Injury Liability Insurance: While not mandatory in Florida, Bodily Injury Liability (BIL) coverage is required for individuals convicted of DUI for three years after license reinstatement. The minimum coverage is $100,000 per person and $300,000 per accident, along with $50,000 in property damage coverage. BIL pays for serious injuries or death caused by the policyholder's car, covering you, relatives, and authorized drivers. There are other situations where a driver is required to show financial responsibility or have Bodily Injury Liability limits of at least $10,000 per person and $20,000 per accident. 

Other Optional Coverages: Many drivers opt for additional coverages beyond the mandatory PIP and Property Damage Liability, including Collision, Comprehensive, Uninsured Motorist, Medical Payment, Towing, Rental Reimbursement, and Accidental Death and Dismemberment insurance.

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Andrew Iacobelli is an experienced personal injury lawyer who established Iacobelli Law Firm with offices in Palm Beach County Florida. Andrew restricts his practice to the representation of personal injury victims in claims involving serious injuries, Catastrophic Injuries, and wrongful death.  Andrew is a lifetime member of the Million Dollar Advocates Forum. ​