Types of Auto Insurance You Should Have in Florida
Florida insurance requirements are unique in comparison with other states. The main difference is that the state operates no-fault insurance. This means if you’re unfortunate enough to be in a car accident, the claim has to be taken from your own personal insurance first. This includes medical expenses and loss of earnings. This is the case even if another driver is responsible for the accident. You’re also unable to claim against the driver at fault for pain and suffering, unless a permanent injury has been suffered.
The minimum requirement for all drivers in the state to have is:
- $10,000 Personal Injury Protection (PIP)
- $10,000 Property Damage Liability (PDL)
If however you’ve been involved in an accident in the past or have a previous conviction in a certain area, you may be required to have additional insurance.
Drivers in the sunshine state are not usually legally required to have other types of insurance (such as UM which covers against uninsured motorists, body injury liability, and Med Pay which gives coverage for medical bills in excess of $10,000). Just because these types of insurance are not legally required, it does not mean you shouldn’t look into having them.
Unfortunately a fair amount of drivers in the state do not have insurance, and this is why people often opt to have additional policies included in order to cover themselves against every eventuality. Without UM and Bodily Injury coverage in place, the fact is you’re not fully protected. With a far-reaching insurance plan in place, you can feel safe in the knowledge that if anything happens (regardless of whether it’s your fault) you’re as prepared as possible. That’s why it’s integral you research thoroughly into your insurance plan, and if you do make a claim get legal assistance.
Florida’s insurance system can be complicated and you want to make sure you’re ticking all the boxes. If you’ve been in an accident recently and are concerned about the impact and what areas your insurance covers, speak to the experts at Franco Firm .