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.
Should you have bodily injury insurance in Florida?
Many states outside of Florida require that its drivers carry bodily injury coverage. For example, every driver in New York must carry a minimum of $25,000 per injured person, up to $50,000 maximum per accident. Florida Bodily Injury Liability Insurance is not required in Florida, but highly recommended.
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 insurance is required in the state of Florida?
General Information. Before you register a vehicle with at least four wheels in Florida, you must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) automobile insurance.
Is it illegal to not have bodily injury 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.
Do I need bodily injury coverage in Florida?
Bodily Injury Liability coverage is not required to drive an automobile in Florida legally. However, it can be if you have been convicted of a DUI. Under Florida Statue 324.023, Financial responsibility for bodily injury or death, you must have bodily injury insurance if you are convicted of a DUI.
Why is bodily injury not required in Florida?
Florida is a no-fault state. No-fault law means that, regardless of who is at fault, your own personal injury protection insurance will step in to provide coverage up to the policy limits. Unlike most other states, residents of Florida are not required to have bodily injury liability.
How does bodily injury coverage work in Florida?
Bodily Injury Liability (BIL) pays for injury or death to others. Judgment occurs when an at-fault party is sued in a civil court for damages caused in a motor vehicle crash and has not satisfied property damage and/or bodily injury requirements.
Do I need bodily injury coverage in Florida?
Bodily Injury Liability coverage is not required to drive an automobile in Florida legally. However, it can be if you have been convicted of a DUI. Under Florida Statue 324.023, Financial responsibility for bodily injury or death, you must have bodily injury insurance if you are convicted of a DUI.
What happens if I don’t have bodily injury coverage 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.
What is recommended bodily injury coverage in Florida?
Recommended Coverage Limits: We suggest that you buy Bodily Injury Liability coverage in the amount of $100,000 per person/$300,000 per incident (accident), at a bare minimum. However, we suggest that you buy higher limits if you have substantial assets that you want to protect.
Why is bodily injury not required in Florida?
Florida is a no-fault state. No-fault law means that, regardless of who is at fault, your own personal injury protection insurance will step in to provide coverage up to the policy limits. Unlike most other states, residents of Florida are not required to have bodily injury liability.
How much bodily injury insurance do I need in Florida?
Recommended Coverage Limits: We suggest that you buy Bodily Injury Liability coverage in the amount of $100,000 per person/$300,000 per incident (accident), at a bare minimum.
What is standard bodily injury in Florida?
The Financial Responsibility Law requires bodily injury liability coverage of $10,000 per person and $20,000 per accident. That would be the minimum amount you should have to protect you from losing your license if you are in a car accident.
Is bodily injury required for full coverage 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 is the minimum personal injury protection requirement in Florida?
Any vehicle with a current Florida registration must: 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.
Which types of insurance is are legally required?
Compulsory insurance is insurance that must be legally owned to do an activity, such as auto insurance and driving a car. Other types of compulsory insurance include workers' compensation and professional liability insurance.
Is car insurance mandatory in the state of Florida?
Any vehicle with a current Florida registration must: 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.
Does Florida require full coverage insurance?
Full coverage is a bit of a misnomer when it comes to liability protection. Full coverage does not “fully” cover the insured but rather provides the bare minimum protection required by Florida law. We have extensive experience litigating insurance claims and recovering compensation for injured parties.
What do you need for full coverage insurance in Florida?
In Florida, this “full coverage” happens to be: A minimum of $10,000 Personal Injury Protection (PIP) A minimum of $10,000 Property Damage Liability (PDL)