Minimum insurance requirements in Florida Be that as it may, it's important for Florida drivers to know the mandatory insurance requirements that apply throughout the state. Getting more auto liability insurance that pays for other people's expenses when you cause an accident than Florida requires can help protect your finances if you are sued. 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. Even though Florida is considered a “no-fault” state, you can still be sued if you're found guilty after a car accident that causes serious harm, such as a permanent injury or significant scar.
Bodily injury liability insurance covers the serious injuries or death of others in the event of an accident and it is determined that you are at fault. This type of insurance is generally not required in Florida; however, if you have been convicted of driving under the influence of alcohol, you will be required to purchase this coverage and maintain it for a period of three years after your license has been reinstated. Florida's car insurance requirements are quite low, making many drivers with minimal insurance economically vulnerable. Drivers may need to have this type of coverage if they have a history of previous car accidents.
The time to reevaluate your car insurance needs is NOW; if you wait until you have an accident before doing so, it will be too late. In Florida, courts and the insurance system only intersect in rare circumstances when it comes to car accident cases. If you stay with the insurance company, it can change your coverage to that of your current state of residence when you make the change of registration. If you are seriously injured in a car accident and you exhaust the limit of your injury policy, you will seek compensation from the other driver.
Under state law, all motorists must have a minimum amount of coverage on all vehicles with a valid license plate to cover the costs of car accident injuries and property damage in Florida. If you, your passengers, or family members who live with you are injured in a car accident, regardless of who caused it, you should first go to your insurance company to help pay the costs. However, if the injuries are considered catastrophic, the driver could exit the insurance system and file a personal injury claim.
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