Unlike most other states, Florida residents are not required to have liability for bodily injuries. Bodily injury liability generally covers the medical expenses of people injured in an accident caused by you. Since the state is a no-fault state, your insurance company can cover expenses related to damage caused by anyone driving your car and any medical expenses you may incur. Be sure to talk to a licensed vehicle insurance provider, as they are very familiar with Florida's auto insurance laws and can help you choose the insurance coverage that's right for you.
PIP insurance covers up to 80 percent of medical expenses that result from a car accident or vehicle injury, regardless of who was responsible for the accident. Florida drivers can show proof of insurance with an insurance card or electronically through their insurance company's smartphone app. MoneyGeek also ranked the best auto insurance companies in Florida for those who want solid service and affordable rates. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.
No-fault car insurance doesn't mean that no one is at fault in an accident; rather, it refers to which insurance comes into effect first in relation to injuries. FR-22 insurance is coverage that shows that, in fact, you have the minimum insurance coverage required by the state of Florida. You don't need to have physical damage coverage to comply with Florida auto insurance laws, but your lender may require it if you're financing or leasing your vehicle. Whether you're a Florida driver buying car insurance for the first time or checking that you have enough car insurance, here's what you need to know about auto insurance laws and requirements in the Sunshine State.
Before you start driving in Florida, it's important to know Florida's car insurance laws and how they affect you. The same is true for the other person involved in the car accident if their expenses are greater than their insurance coverage. On the other hand, property damage liability is insurance that covers expenses related to damage that you or someone driving your insured vehicle caused to someone else's property. Florida has the most expensive car insurance rates in the country, which is surprising because it also has some of the lowest car insurance requirements in the country.
The final insurance policy premium for any policy is determined by the insurance company upon application.