Florida

Having the right auto insurance policy can help protect you financially if you are involved in an accident or your vehicle is damaged. An auto insurance policy is designed to provide you with a layer of protection against property, liability and medical costs following an accident. But choosing the right auto insurance can be overwhelming. Reach out to our agency today to learn more about auto insurance and find the policy that’s right for you.

What Do Auto Insurance Policies Cover?

Coverages vary depending on factors such as driving history and car model, but a standard auto insurance policy might include the following:

  • Liability insurance helps insure against claims arising from damage or injuries you cause to others if you are at fault in a wreck.
  • Bodily injury liability coverage helps cover their medical bills (and sometimes, deaths).
  • Property damage liability helps pay for damage to the other driver’s property, such as their car.
  • Collision insurance helps cover damage to your vehicle after a wreck.
  • Comprehensive insurance helps pay for non-accident mishaps, such as weather damage.
  • Medical payments (MedPay) coverage helps pay for your medical bills and those of your passengers if injuries are sustained in an accident.
  • Personal injury protection (PIP) coverage helps pay for your medical bills and lost wages caused by an accident. This coverage is only available in certain states; check with your agent to see if it’s offered where you live.
  • Uninsured/underinsured Insurance helps insure against damage caused by someone else who doesn’t have adequate liability coverage.

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. 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.

Proof of PIP/PDL coverage must be issued by an insurance company licensed in Florida to sell policies or by qualifying for a self-insurance certificate issued by FLHSMV.

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. 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.
  • have continuous coverage even if the vehicle is not being driven or is inoperable. Surrender the license plate/tag BEFORE cancelling your insurance.
  • purchase the policy from an insurance carrier licensed to do business in Florida. (If you are new to the state, you may ask your agent to transfer your current insurance to a Florida policy.)
  • maintain Florida insurance coverage continuously throughout the registration period regardless of the vehicle’s location. (Military members stationed out-of-state/country may be exempt. Visit our military page for more information.)

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