Lilah Butler, Car Insurance Writer
@lilah_c
You do not need bodily injury liability insurance in Florida. Unlike most states, Florida does not require bodily injury liability coverage to pay for other people's injuries after a car accident that you cause, since Florida uses a no-fault system.
Key Things to Know About Bodily Injury Liability in Florida
- Bodily injury liability insurance is not required since Florida is a no-fault state.
- Drivers file injury claims with their own car insurance policy.
- Drivers in Florida are required to have $10,000 in personal injury protection (PIP) to pay for their own accident-related injuries and their passengers' injuries.
Even though Floridians don't need bodily injury liability insurance, it's still a good idea to buy some coverage, given that drivers in Florida can be sued for damages if they cause an accident that results in permanent loss of an important bodily function, permanent injury, significant scarring or disfigurement, or death.
In addition, the state does require $10,000 in property damage liability insurance. Property damage liability coverage pays for damage to others' property – such as their car, fence, or house – after an accident that you caused. For more information, check out WalletHub's breakdown of how much car insurance you need in Florida.
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Florida is a no-fault state, which means drivers must use PIP to cover the cost of their injuries and those of their passengers after a car accident. Drivers in Florida are required to carry $10,000 in personal injury protection for this reason, along with $10,000 in property damage liability insurance. This covers other people's property damage that you cause in an accident. There are restrictions on the right to sue after an accident in no-fault states. In Florida, you can...
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read full answer by Candace Baker, Car Insurance WriterIs uninsured motorist coverage required in Florida?
No, uninsured motorist coverage is not required in Florida, as drivers can reject the coverage in writing. Still, insurance companies are required to offer at least $10,000 in uninsured motorist bodily injury coverage per person (up to $20,000 per accident).
Uninsured motorist bodily injury (UMBI) coverage pays for the medical bills of the policyholder and their passengers who were injured in an accident with an uninsured motorist. The per-person limit applies to each person injured, while the per-accident...
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