Florida law requires drivers to have $10,000 in personal injury protection insurance and at least $10,000 in property damage liability insurance. Florida residents must carry proof of insurance with them while driving.
This mandatory car insurance helps ensure that drivers have the financial means to cover medical expenses and property damage caused by car accidents.
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Personal Injury Protection (Pip) Insurance
Florida law requires drivers to have personal injury protection (PIP) insurance and property damage liability insurance. PIP insurance is designed to cover medical expenses and lost wages in case of an accident, regardless of who is at fault. It also provides coverage for funeral expenses and in-home services.
The minimum coverage limits for PIP insurance in Florida are $10,000 for medical expenses and $5,000 for funeral expenses. The coverage limits may vary depending on the insurance policy, but it is important to have sufficient coverage to protect yourself and your finances in the event of an accident.
It is mandatory to carry proof of insurance while driving in Florida to comply with the law.
Property Damage Liability (Pdl) Insurance
To comply with the law in Florida, drivers must have Property Damage Liability (PDL) insurance. PDL insurance protects against damage caused to another person’s property in an accident. It covers expenses related to repairs or replacements, such as vehicles, fences, or buildings.
The purpose of PDL insurance is to ensure that individuals can cover the costs of property damage without facing financial hardship. In Florida, the minimum coverage limit for PDL insurance is $10,000. This means that if you are at fault in an accident and cause property damage, your insurance will cover up to $10,000 of the other party’s expenses.
It is important to note that PDL insurance does not cover damage to your own vehicle or property.
Uninsured/Underinsured Motorist (Um/Uim) Insurance
Florida law requires drivers to have certain types of car insurance coverage. One important coverage is Uninsured/Underinsured Motorist (UM/UIM) insurance. This coverage is designed to protect you if you are involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
UM/UIM insurance provides financial compensation for medical expenses, lost wages, and other damages resulting from the accident. In Florida, the minimum coverage limits for UM/UIM insurance are $10,000 per person and $20,000 per accident. It’s important to note that UM/UIM insurance is not required by law, but it is strongly recommended to protect yourself in case of an accident with an uninsured or underinsured driver.
Frequently Asked Questions On What Car Insurance Is Required By Law In Florida
What Type Of Insurance Is Mandatory In Florida?
Florida residents are required to have personal injury protection (PIP) insurance and property damage liability insurance.
Does Florida Have Mandatory Car Insurance?
Yes, Florida requires all drivers to have car insurance when operating motor vehicles in the state.
What Car Insurance Is Not Required In Florida?
Florida law does not require drivers to have collision or comprehensive insurance.
What Is The Minimum Car Insurance In Florida?
Florida residents must have $10,000 in personal injury protection insurance and at least $10,000 in property damage liability insurance.
Conclusion
Coverage is mandatory. However, there are certain types of car insurance that are not required by law in Florida. While personal injury protection (PIP) insurance is mandatory, other coverage options such as collision, comprehensive, and uninsured motorist are not required.
Collision coverage helps cover the costs of repairs or replacements to your own vehicle if you are involved in an accident. Comprehensive coverage helps protect your car from damage caused by incidents other than collisions, such as theft or natural disasters.
Uninsured motorist coverage provides financial protection if you are involved in an accident with a driver who does not have insurance. While these coverage options are not required by law, they can provide additional peace of mind and protection for drivers in Florida.