What are coverage requirements concerning auto insurance in Florida?

Like most states, Florida has coverage requirements concerning auto insurance. Unlike many states, this coverage is minimal. In the State of Florida, drivers are required to carry $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability Coverage (PDL).

Essentially, these coverages pay for a portion of the driver’s medical bills incurred as a result of an accident regardless of fault and provide $10,000 to repair or replace damage caused to property in the event the accident was the driver’s fault.

Understanding Florida’s Mandatory Coverage requirements

While drivers across the country are required to have automobile insurance, each state has different minimum requirements. While some states require much higher coverage, Florida only requires drivers to carry $10,000 in both Personal Injury Protection and in Property Damage Liability. While some drivers rejoice at the luxury of cheaper automobile insurance, if you find yourself in an accident with a driver covered by Florida’s mandatory minimum, their insurance will only cover $10,000 in medical bills and another $10,000 toward property damage.

Make Sure You’re Fully Covered!

A lot of Florida drivers will claim that they are insured with full coverage when in fact they only carry mandatory coverage. The best way to avoid this problem is to make sure that you have an automobile insurance policy that will fully protect you. Don’t hesitate to call us here at Dan Newlin Injury Attorneys. We will meet with you personally and go through your policy and help you formulate a car insurance policy that will protect you. As a courtesy to our clients, we offer a comprehensive analysis of your policy and will give you our recommendations for the best protection. Call us today at 800-257-1822.