guide to Florida auto insurance laws

How much car insurance are you legally required to have when driving in the state of Florida?

indemnity laws can be confusing since they change by country. So we ’ ll start off with a elementary interrogate and a straightforward answer : Is car indemnity in Florida required ? absolutely. In fact, having some level of car insurance is the police in every state except two ( Virginia and New Hampshire ). In Florida, you must carry proof of insurance with you whenever you drive and it must be current. In the event that you ’ re pulled over or in a car accident, you will be asked by jurisprudence enforcement to show this proof. registration of any newly vehicle besides requires that you have proof of Florida coverage.

In Florida, it ’ randomness common to see all types of vehicles. many Floridians live on or near the beachfront, so residents regularly drive on and off the road with non-traditional “ vehicles ” such as water bikes, golf carts, go karts, and then away. While these types of vehicles do not need insurance, the state of Florida requires that every standard 4-wheeled vehicle maintain the minimum charge of Florida car indemnity coverage.

Minimum Insurance Requirements in Florida

car insurance is like an umbrella that you need, but you hope you never have to use. Regardless, it ’ mho important that Florida drivers know the compulsory indemnity requirements that apply statewide. The minimum requirements for car policy coverage are :

  • $10,000 for personal injury protection (PIP)
  • $10,000 for property damage liability (PDL)

Disclaimer for Bodily Injury Liability

Although the state of Florida does not require you to carry bodily injury liability ( BIL ) policy, many experts consider it fresh to add this coverage. This protects you if you have a cable car accident in which people are injured or killed due to your negligence. even though Florida is a no-fault state, an injure party could placid sue you for damages if they ’ rhenium extensive or they go beyond what your minimum insurance requirements cover. otherwise, you could end up paying for damages out-of-pocket.

What Does “No-Fault” Liability Mean?

There are presently twelve states that operate under “ no-fault ” indebtedness, of which Florida is one. Being a no-fault state means that each person pays for their own accident expenses — no count whose defect it is. This is insurance law. however, remember that if an accident causes person more price or injuries than your indemnity policy covers, they have a correct to sue you for damages. In these cases, you would be required to pay for extra damages if the court ruled that you acted negligently, or if you caused injury that created aesculapian conditions or expenses that were the resultant role of negligence.

In early words, while indemnity laws in Florida lone require property indebtedness and personal wound auspices, it ’ south always a good theme to carry more coverage than the minimum prerequisite. That way, you will have the excess protection if you ’ rhenium sued for car accident damages.

What is PIP?

You may wonder what PIP ( personal injury protective covering ) does for you as a Florida motorist ? PIP indemnity is for the purpose of covering medical expenses and other costs such as lost wages. This indemnity is frequently called “ no-fault ” coverage because it covers and pays out claims on accidents careless of who is at fault. additionally, PIP is for the purpose of defending yourself against minor lawsuits that require extra funds to pay for damages if you ’ rhenium held responsible. Continue reading : What is PIP Insurance and Are Florida Drivers Required to Have it ?

Other Types of Optional Auto Insurance Coverage

To be dependable, you may want to look into the succeed optional coverages in order to make certain you are covered in any situation :

  • Bodily injury liability. As previously discussed, bodily injury liability covers injuries that people may receive as a result of a car accident that’s your fault. Even though Florida is a no-fault state, you could still be sued for injuries if your PIP insurance doesn’t cover it.
  • Collision. Collision insurance is meant to cover any damage you receive from an accident. Remember, collision insurance isn’t covered in your minimum Florida liability or PIP coverage.
  • Comprehensive. Auto theft, “acts of nature,” and other accidents outside of vehicle collisions are covered by this additional policy. In Florida, hail storms, lightning, floods, and hurricane damage claims are common under a comprehensive insurance policy.

early types of coverage that may besides be offered by your car insurance company include wayside aid and checkup coverage ( an extra policy to pay for checkup expenses like hospital stays and medical treatment due to a dangerous accident ). If you ’ re a Florida driver, make sure you at least have the minimal indemnity required by law. If you ’ ve been seriously injured in a car accident with an uninsured driver, or your insurance policy is ineffective to sufficiently cover the expense of a car accident caused by person else, you ’ ll want to get in touch with Tampa cable car accident attorneys at Lorenzo & Lorenzo. We can help answer any legal questions you have and will fight for your legal rights. Contact us today to schedule a free consultation.

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