Florida Auto Insurance Minimums

Florida’s PIP statute specifies 10,000 dollars in personal injury protection benefits, subject to its conditions.

Florida’s property-damage financial-responsibility statute generally requires 10,000 dollars for covered motor vehicles.

Do not treat PIP as another name for bodily-injury liability. Ask an agent to explain the distinction and check the requirements that apply to your driving history and vehicle use.

Florida’s DUI financial-responsibility statute specifies bodily-injury amounts of 100,000 dollars per person and 300,000 dollars per crash, plus 50,000 dollars for property damage.

Ask for the requested options to be identified in writing. A shorthand description can hide important differences between quotes.

Florida’s consumer guide cautions that “full coverage” has no single meaning for every shopper.

• Current declarations page, if available.
• Vehicle ownership or lender information.
• The state notice if reinstatement or financial responsibility is involved.
• A description of any business or passenger-transport use.

Start by distinguishing what Florida requires from the selections you may want for your own vehicle and liability situation. A financed vehicle can also come with lender requirements. Ask where each coverage appears in the quote rather than using a broad phrase such as full coverage. The limits and exclusions on the actual documents are what need comparison.

Tell the agent who drives, where the vehicle is kept and whether it is used for deliveries or other work. A personal vehicle request should not hide a commercial-use question. Have the VIN, current declarations and any relevant state notice available. Special financial-responsibility requirements should be reviewed separately instead of assumed to match the ordinary registration requirements.

Ask about bodily injury liability, uninsured motorist choices and protection for damage to your own vehicle. Discuss the deductible you would be responsible for under a covered loss. Compare those selections consistently when reviewing options. Before changing policies, confirm the new effective date and any remaining conditions; obtaining a quote does not satisfy the requirement to maintain applicable coverage.