Liability coverage in Florida If you cause an accident, liability insurance covers those who are injured or are harmed. Liability insurance never covers your injuries or damage to your property. You only pay the other driver. Liability for property damage will cover the cost of any damage you cause to another vehicle.
An SR22 is required if you are cited for driving without insurance or for committing serious traffic violations, among other violations. If you have a car accident or if you are stopped by the authorities, you will need to show your proof of insurance to the police. Bodily injury (BI) liability insurance pays monetary damages if you cause an accident and injure another person. However, most commercial vehicles in Florida are legally required to meet the following combined minimum levels of personal injury liability insurance and property damage liability insurance.
PDL coverage pays for damage to someone else's property caused by you or by someone else driving your insured vehicle. As a no-fault state, Florida's auto insurance laws state that all drivers who operate a motor vehicle must have at least the minimum coverage requirement. UM insurance coverage covers your damages if you have an accident and the negligent driver doesn't have liability insurance for bodily injury (uninsured motorist) or doesn't have enough BI to reimburse your losses (underinsured motorist). However, in a state of fault, the at-fault driver must have insurance that covers the other person's expenses, not their own.
Direct Auto offers competitively priced commercial auto insurance with flexible payment options and discounts for small business owners. Choose the amount of the down payment, the monthly payment and the day of the month the payment is due, and save even more with car insurance discounts*. An FR44 is an insurance claim that is sometimes referred to as DUI insurance, but it is not a type of insurance. Having insurance for uninsured drivers can help, especially if your medical expenses exceed your PIP limit.
Give your license plate to the nearest driver's license office and motor vehicle service center or tax collector's office BEFORE you cancel your insurance to avoid suspension and reinstatement fees. Your insurance provider is committed to providing those protections as defined in your policy; you agree to pay the premium. Florida is a no-fault state, so the minimum limits for car insurance are different from those in other states.