Many states have their own unique requirements when it comes to car insurance policies, including Florida. We've provided a list of Florida-specific requirements along with frequently asked questions from Florida policy holders.
PIP & PDL
You must have a minimum of $10,000 in PIP and a minimum of $10,000 in PDL.
What is PIP: PIP stands for Personal Injury Protection. It covers medical expenses for you and your passengers after an automobile accident. Florida is one of ten states that offer PIP auto insurance. PIP insurance is actually required in Florida, as it is a "No-Fault" state.
What is PDL: PDL stands for Property Damage Liability Coverage. This policy helps pay to repair damage you may cause to another person's vehicle, house, or other personal property. As with PIP, PDL coverage is required in the state of Florida.
You must have a minimum of $10,000 in PIP and a minimum of $10,000 in PDL.
What is PIP: PIP stands for Personal Injury Protection. It covers medical expenses for you and your passengers after an automobile accident. Florida is one of ten states that offer PIP auto insurance. PIP insurance is actually required in Florida, as it is a "No-Fault" state.
What is PDL: PDL stands for Property Damage Liability Coverage. This policy helps pay to repair damage you may cause to another person's vehicle, house, or other personal property. As with PIP, PDL coverage is required in the state of Florida.
Continuous Coverage
You must maintain auto insurance coverage continuously throughout your registration period even if the vehicle is not being driven and regardless of the vehicle's location If you are a military member stationed out-of-state or out-of-country, you may be exempt from this requirement.
You must maintain auto insurance coverage continuously throughout your registration period even if the vehicle is not being driven and regardless of the vehicle's location If you are a military member stationed out-of-state or out-of-country, you may be exempt from this requirement.
Florida-Licensed Carrier
You must purchase the car insurance policy from a carrier licensed in Florida. If you are from out-of-state, you can ask your current insurance carrier to transfer your insurance to a Florida policy.
You must purchase the car insurance policy from a carrier licensed in Florida. If you are from out-of-state, you can ask your current insurance carrier to transfer your insurance to a Florida policy.
Florida Fees & Penalties for Driving Without Insurance
First offense: You must pay a reinstatement fee of $150 and may have your driver's license and registration suspended for up to three years.
Second offense: You must pay a $250 fee and may have your driver's license and registration suspended for up to three years.
Third offense: You must pay a $500 fee and may have your driver's license and registration suspended for up to three years.
If you were to cause an accident without auto insurance, expect the fees to be significantly higher and the penalties more severe.
First offense: You must pay a reinstatement fee of $150 and may have your driver's license and registration suspended for up to three years.
Second offense: You must pay a $250 fee and may have your driver's license and registration suspended for up to three years.
Third offense: You must pay a $500 fee and may have your driver's license and registration suspended for up to three years.
If you were to cause an accident without auto insurance, expect the fees to be significantly higher and the penalties more severe.
Bodily Injury Liability
Bodily Injury Liability coverage pays for injuries a driver causes to other people, including other drivers, passengers, and pedestrians. This is not required in the state of Florida.
Bodily Injury Liability coverage pays for injuries a driver causes to other people, including other drivers, passengers, and pedestrians. This is not required in the state of Florida.
Factors That Determine Premium
There are several factors that Florida auto insurance companies consider when determining your insurance premium. These include but are not limited to:
There are several factors that Florida auto insurance companies consider when determining your insurance premium. These include but are not limited to:
- The type of vehicle you are insuring
- Your prior coverage
- How often you drive
- Your driving record
- Your age
- Your gender
- Your marital status
- Your location
- How long you've been driving
- If you use your vehicle for business
- Your credit score
If you've been injured in a car accident, call us today at (904) 620-9545 to meet with Alisa Wilkes. As a Jacksonville car accident lawyer, Alisa and her legal team will visit you on-site, at your home, or even in the hospital. We don't want you to have to forever worry about insurance or medical costs, especially if your injury is life-altering. Our job is to get you the compensation your rightfully deserve. We change the way people think about lawyers.