Florida Auto Insurance
Requirements of Motorists under FL State Law
Everyone has an opinion about insurance. Some people
believe it is a conspiracy to con hardworking people out
of money. You can not imagine how much you need insurance
until you something happens that you were not prepared
for.
Weather its a car accident, a flu, a fire,or a theft
these things happen all the time. You never know if or
when something might happen to you. Don't be caught off
guard by life's unpredictable events.
There are certain "requirements" that are applicable
to each state and varies accordingly. We have attempted
to compile all of the relevant information in to this
single resource to help visitors know what is expected
of them in regards to insurance.
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Florida
Car Insurance Requirements
Coverage Minimum - *10/20/10
Coverage Explanation - Car insurance
coverage in Florida must provide a minimum of $10,000
for injury liability for one person in an accident, $20,000
for all injuries in an accident, and $10,000 for property
damage in an accident.
*Only property damage liability is compulsory in Florida.
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Important Florida Auto
Insurance Laws!
1. All vehicles registered or operated in FL are required
to be covered by a liability insurance policy issued through
a Florida agent with an insurance company licensed to
sell in Florida.
2. You are required to carry insurance if you have a
valid Florida tag, even if the vehicle is in another state
or inoperative. There are no exemptions in the law.
3. If you have been involved in a crash, or been convicted
of certain offenses, you may be required to purchase bodily
injury liability coverage (BIL). Check with your agent.
4. Vehicles used as taxicabs and limousines are exempt
from the mandatory personal injury protection and property
damage liability insurance coverage.
However, if you cause a crash, and you do not have full
coverage including bodily injury liability at the time
of the crash, under Florida auto insurance law you must
purchase insurance with full liability coverage and meet
other requirements.
Read
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Insurance
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