The
state of Florida follows a No-Fault system meaning your
insurance company will make payments for your injury claims
regardless of fault, up to a specified limit. You should be
aware that the details of a no-fault system vary from state to
state and it is best to check with your state insurance
regulator. Visit our
State
Insurance Regulators page for a list of links to all the
state insurance regulators websites.
Florida state law does require PIP, in
addition to Property Damage Liability coverage with a minimum
limit of $10,000. This basic coverage is often referred to as a
PIP/PD. Even if state law does not require a minimum coverage
for Bodily Injury Liability coverage, you may be required to get
this coverage once you have been in an accident. It is advised
that you get at least the minimum Bodily Injury Liability
coverage.
Personal Injury Protection (PIP) in your
coverage helps pay for "reasonable and necessary" medical
expenses for you and your passengers. Florida state law requires
a minimum Personal Injury Protection coverage of $10,000.
Additionally, you can get
Uninsured/Underinsured Motorist coverage for any bodily injury
caused by an uninsured driver. While Florida state law does not
require this coverage, you can purchase this as an optional
coverage for added protection.
