Auto Insurance Florida Minimum Requirements
Don’t make the mistake of assuming florida’s minimal car insurance requirements will be enough to cover the damages for any accident.
Auto insurance florida minimum requirements. Florida car insurance regulations do not legally require drivers to maintain bodily injury liability coverage but it is highly recommended to do so and many insurance companies won’t sell a policy without it. If you are injured in an accident, your car insurance will pay your medical costs up to your policy's limits, regardless of who caused the accident. So be sure to have your insurance id card when you drive.
According to the florida department of highway safety and motor vehicles (dhsmv), all drivers in the state must have auto insurance coverage. Vehicles registered as taxis must carry bodily injury liability (bil) coverage of $125,000 per person, $250,000 per occurrence and $50,000 for (pdl) coverage. Auto insurance requirements in florida.
Driving without car insurance will usually result in a fine if you are caught so it’s in your best interest to find out what coverage is required from your state. Be insured with pip and pdl insurance at the time of vehicle registration. April 15, 2019 february 24, 2020 admin if you are going to own and operate a vehicle in the sunshine state you are going to have to purchase florida auto insurance.
If you're caught driving under the influence in florida, the state requires you to increase your coverage limits to 10 times the normal limit: It’s true that you’re required to have auto insurance in florida, and there is a minimum amount of coverage you have to have, both for personal injury protection insurance and property damage liability. Additionally, vehicles that weigh in excess of 26,000 pounds must carry additional liability insurance to cover both bodily injury and property damage.
This is not the case, however: Florida law requires that all drivers must carry certain amounts of car insurance coverage. The penalties for driving without auto insurance might include fines, a driver’s license suspension, and being forced to foot the bill if you are involved in a collision.
Auto insurance is like an umbrella that you need, but you hope you never have to use. $50,000 for property damage per accident. These minimum requirements for each state can be found at the state insurance commissioner's website, and we have also included them here for your easy reference.