Florida insurance information
Required Minimum Bodily Injury Coverage
- $10,000 per person injured in any one accident and $20,000 for all persons injured in any one accident
Required Minimum Property Damage Coverage
- $10,000 for injury to or destruction of property of others in any one accident
Required No-Fault Coverage.
- Florida has a No-Fault Law that provides a minimum amount of insurance benefits that are paid without regard to fault. Florida's No-Fault statute requires motor vehicle owners to purchase an insurance policy that provides for certain security, including required Personal Injury Protection (PIP) coverage benefits to a limit of $10,000 per person for medical and disability expenses, as well as $5,000 per person in death benefits. If economic damages are less than PIP coverage paid out, a person has no tort claim. However, a person can sue if economic damages exceed that paid out by PIP, as well as when the victim suffers permanent injury, significant and permanent scarring or disfigurement, or death. Whether a person suffers permanent injury or significant and permanent scarring or disfigurement is a question of law to be decided by a judge.
Optional Insurance Coverage
- Uninsured (UM) Motorist Coverage. UM includes underinsured motorist coverage. If elected, It must be equal to the bodily injury liability coverage purchased.
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Please note: State law information collected from LexisNexis™ electronic database in 2003. Our lawyers are licensed to practice law in Maryland, Ohio, Pennsylvania, and West Virginia and associates with experienced attorneys in other states .
The materials at this web site have been prepared by our Law Firm for information purposes only and should not be construed as legal advice or legal opinion on any specific facts or circumstances. These materials do not, and are not, intended to constitute legal advice. Readers should not act upon this information without seeking professional counsel.
The information provided at this site is subject to change without notice. While we strive to keep our site updated, insurance options may change from time to time. Be sure to confirm insurance requirements with your insurance representative. The state insurance summaries are provided as a general guide only. Before purchasing insurance, we recommend that you research and understand all available and required options. We also recommend that you protect yourself by purchasing adequate amounts of insurance.
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