What Kind of Car Insurance am I Required to Buy in Florida?

Insurance is meant to protect you.  For example, if you have substantial assets and you cause a Florida car accident, your insurance should pay so that your assets are not affected.

What is PIP Insurance and How Will it Cover Me After a Florida Car Accident?

In the State of Florida, you are required to carry certain kinds of car insurance coverage.  It is required that you have Personal Injury Protection coverage, or what is more commonly referred to as PIP.  Everyone who owns and insures a car in Florida must carry $10,000 in PIP coverage.   After a Florida car accident, your PIP is considered to be the “primary” coverage.  This means that it is the first insurance that will cover for your injuries.   This is true regardless of your fault for the accident.  In other words, you can be 100% at fault for an accident, and you can still get medical treatment paid by your PIP coverage.   In addition, if you own a car and have PIP coverage, your PIP insurance will cover you regardless whose vehicle you are driving.

What is Bodily Injury Insurance Coverage?

In addition to PIP, you can also purchase what is called Bodily Injury coverage.  However, unlike PIP, bodily injury coverage is not required in the State of Florida.  Bodily injury coverage is designed to protect you against third-party claims in the event you cause a Florida car accident.   If you do not have it, your personal assets could be at risk in the event the person you injured wishes to pursue you for damages.

What is Uninsured Motorist Coverage?

Uninsured/Underinsured Motorist coverage is insurance you can buy to protect yourself in the event that you are injured in a Florida car accident and the at-fault driver either does not have bodily injury coverage or does not have sufficient bodily injury insurance policy limits to cover the cost of your injuries.   You do not have to buy this coverage.   With that said, it is highly recommended that you do buy this insurance coverage.  Unfortunately, we have seen many clients who didn’t buy it and they were unable to recover for their injuries because the at-fault driver was not responsible enough to buy bodily injury insurance coverage.

How is My Property Damage Paid for After a Florida Car Accident?

There are different types of property damage coverages when it comes to Florida auto insurance.  The first is comprehensive insurance coverage.  This insurance coverage is not required.   This will cover you for damage to your cars such as fire or vandalism.

Another property damage coverage is collision coverage.  This will cover you if, for example, you damage your car driving through a pothole, or if you are involved in a crash with someone else.  This insurance is also not required.

The only property damage coverage required in the State of Florida is property damage liability (PDL).  Florida drivers are required to maintain a minimum of $10,000 in PDL coverage.  This protects the vehicles of other drivers in the event you cause an accident.

Free Information

If you have questions about your Florida auto accident case, you can download our Free Report – Things You Must Know If You Were In a Car Accident – which is available at our website, or you can click the link provided.  You can also contact us at 813-797-5998.

What You MUST Know If You Were In A Car Accident In Florida

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