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. 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). The question of how much car insurance to buy is difficult to answer because it becomes a personal decision, which is often based on the finances of each individual or family. There's a big difference between how much car insurance Florida drivers should have and how much they actually need to have to truly protect themselves and their families.
The following explanation is provided to demystify your insurance options and to help you understand why certain types of insurance are the best way to protect yourself and others.