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How Does Car Insurance Work in Florida?

Understanding how your auto insurance policy works is critical, whether you have been involved in a collision or not. In fact, knowing what’s covered and what isn’t on your policy will make filing a claim with your insurance company far easier, as you’ll already be aware of what you’re entitled to.

Below, we discuss what the minimum auto insurance requirements are in the state of Florida and what it means to live in a no-fault car insurance state.

Minimum Auto Insurance Requirements in FL

In Florida, every driver who owns and operates a vehicle must ensure that their vehicle is protected by an auto insurance policy. The limits you choose will be up to you, but minimally, you must carry:

  • $10,000 in property damage per accident
  • $10,000 in personal injury protection
  • $10,000 per person/$20,000 per accident in bodily injury liability
  • $10,000 per person/$20,000 per accident in uninsured motorist coverage

You can choose to go above these limits, which will then increase the amount you’ll be able to file a claim for. This can be the smartest way to go in the event that you are ever involved in a serious accident. Often these kinds of wrecks can far exceed the limits of a minimal policy.

What’s more, you can opt to include comprehensive coverage, collision coverage, gap insurance, rental car coverage, and underinsured motorist coverage to better protect yourself.

Florida Is a No-Fault State for Car Insurance

Living in a no-fault state means that you are required to carry personal injury protection (PIP). This portion of your policy allows you to file a claim with your own auto insurance provider to cover the cost of your medical expenses and lost wages if you are seriously injured in a car wreck.

Increasing the amount of PIP coverage you carry on your auto insurance policy may be well-advised, as the insurance company is only legally required to compensate you up to the limits of your policy—and again, it’s quite possible that your damages will exceed Florida’s minimum limits.

Consult with a Florida Car Accident Lawyer

For help understanding how your auto insurance policy can influence your car crash claim, or if you have been injured in a collision and need a highly trained Florida car accident lawyer to handle the negotiations with your insurance provider, consult with an attorney at Anderson & Anderson.

You can submit the online contact form included below or give us a call at 813-251-0072 to schedule your no-cost consultation so we can begin working on your case.