![]() Because Florida is a no-fault state, bodily injury coverage is most helpful if you’re sued. It helps pay for their medical expenses and your legal services (if necessary). Wondering what your insurance policy needs to make sure you’re fulfilling Florida’s insurance requirements? Here’s a quick breakdown by coverage type.īodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. Florida Minimum Car Insurance Requirements In both no-fault states and at-fault states, drivers file property damage claims with the at-fault party’s insurer. ![]() No-fault coverage only applies to personal injuries. In this scenario, the at-fault driver's insurance would help cover the accident victim's expenses. In an at-fault state, however, the at-fault driver would be liable for 100% of the injured person’s medical expenses. If an injured party does not have their own auto insurance, they would file a claim under the policy insuring the vehicle they were occupying at the time of the accident. When people say, “ Florida is a no-fault state,” what do they mean? Well, in a no-fault state, each person injured in a car accident files a claim with their own insurance company and relies on their own coverage to pay for their medical expenses regardless of who was at fault. This requirement is most commonly satisfied by including bodily injury liability coverage on your car insurance policy. The minimum amounts are $10,000 for one person, one crash and $20,000 because of bodily injury or death to two or more persons in one crash. Florida law also requires all drivers to be financially responsible if they cause bodily injuries or death as a result of a motor vehicle crash. Yes, to register your car in the Sunshine State, Florida law requires an auto insurance policy that provides at least the state minimum coverage limits, which are $10,000 of Personal Injury Protection (PIP) coverage and $10,000 Property Damage Liability (PDL) coverage. Florida Car Insurance Laws Do you have to have car insurance in Florida? Get a free quote to see how much money you can save with Direct. ![]() Take a few minutes to learn what coverages are required, which ones are optional, and how Direct Auto can help you find cheap Florida car insurance. Direct Auto Insurance is proud to offer car insurance in Florida, the “Sunshine State.” Whether you live in Miami, Orlando, or the Panhandle, you must meet the Florida minimum car insurance requirements to comply with state laws.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |