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Does Florida law require bodily injury insurance?
Florida Bodily Injury Liability Insurance is not required in Florida, but highly recommended. As a New Port Richey auto accident attorney with nearly 20 years experience, I can tell you that having bodily injury liability coverage is vitally important.
What happens if you don’t have bodily injury in Florida?
If you don't have bodily injury coverage in Florida, you are at risk of being held personally responsible for other people's medical expenses if you cause a car accident, but you will not be breaking the law. Florida does not require bodily injury liability insurance.
Which coverages are mandatory in Florida?
- be insured with PIP and PDL insurance at the time of vehicle registration.
- have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL. …
- have continuous coverage even if the vehicle is not being driven or is inoperable.
Is bodily injury coverage required in Florida?
Unlike most other states, residents of Florida are not required to have bodily injury liability. Bodily injury liability typically covers the medical expenses of those injured in an accident caused by you. Instead, the PIP coverage kicks in to cover medical costs.
What happens if you don’t have bodily injury in Florida?
If you don't have bodily injury coverage in Florida, you are at risk of being held personally responsible for other people's medical expenses if you cause a car accident, but you will not be breaking the law. Florida does not require bodily injury liability insurance.
Which coverages are mandatory in Florida?
- be insured with PIP and PDL insurance at the time of vehicle registration.
- have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL. …
- have continuous coverage even if the vehicle is not being driven or is inoperable.
Do I need bodily injury coverage in Florida?
Florida does not require any bodily injury liability insurance unless you've been in a car accident or committed certain traffic violations. Many states do require their residents to have bodily injury liability coverage to drive, but Florida does not.
How does bodily injury coverage work in Florida?
PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash. PDL coverage pays for damage to another person's property caused by you or someone else driving your insured vehicle.
What happens if you don’t have enough insurance to cover an accident in Florida?
Drivers who don't carry the required coverage may be subject to paying for damage to your vehicle and medical bills due to injuries, as well as face criminal consequences for failing to carry insurance while driving. The state may revoke or suspend their driver's license.
How much bodily injury coverage do I need in Florida?
According to Florida law, if you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection (PIP) insurance and a minimum of $10,000 of property damage liability insurance. You may have a deductible of up to $1,000 for PIP coverage and $500 for property damage liability.
What is the lowest bodily injury coverage?
The most common minimum BIL limit is $25,000 per person, but your state may have a different minimum.
What is the minimum amount of bodily injury coverage for Florida?
Unlike other states, Florida car insurance requirements do not include bodily injury coverage. Instead, drivers in the state need to have at least $10,000 for personal injury protection (PIP) and $10,000 for property damage liability. PIP refers to coverage for medical expenses due to a car accident.
Is bodily injury liability required in Florida?
Unfortunately, Florida is a state that does not require bodily injury liability coverage in most instances. Bodily injury liability coverage is that coverage found on automobile insurance policies that will cover the at-fault vehicle's owner or driver for damages caused to others as a result of a car accident.
What happens if you don’t have bodily injury in Florida?
If you don't have bodily injury coverage in Florida, you are at risk of being held personally responsible for other people's medical expenses if you cause a car accident, but you will not be breaking the law. Florida does not require bodily injury liability insurance.