The Florida auto insurance is mandatory and the minimum required coverage is:

• $10,000 PIP, i.e. personal injury protection
• $10,000 PDL, i.e. property damage liability

In the case of self-employed taxi drivers, the coverage limits are as follows:

• $125,000 BIL per person, $250,000 per occurrence
• $50,000 PDL

Personal Injury Protection Coverage

• Personal Injury Protection (PIP) coverage offers protection irrespective of whose fault it was, within the policy limits.
• The people traveling with you in the car will also receive protection, provided they don’t have their own PIP. If they do have a PIP insurance, they will receive protection under their coverage.
• Weather you are a pedestrian, travel in someone else’s car or by bicycle, you are also entitled to receive PIP protection under your insurance.
• This type of insurance is mandatory in Florida, with a minimum limit of $10,000 and you must carry it with you at all times.

Bodily Injury Liability

• Bodily Injury Liability (BIL) pays in the cases of serious injury or death to others if you cause a crash with your automobile. In case you get sued, your insurance company will provide legal representation for you and will make payments for injuries within the limits of the policy.
• Your family members living with you are also covered, even in the cases of driving someone else’s car.
• The same can apply to others driving your car with your permission – double-check with your agent the particular case of your policy.

Auto Insurance Policy For The Residents Of Florida

• If you are a resident of Florida, then you must have a car insurance policy issued by a Florida insurance company that has a license from Florida Department of Financial Services.
• If you have moved to Florida from another state, your current policy issued in the other state is not valid anymore, as it needs to be issued in Florida. However, you can ask your agency to transfer your insurance to Florida, as most insurance companies are also licensed to sell in Florida.
• In case you will move to another state, keep your Florida insurance valid until you have registered in the other state. The Florida insurance laws stipulates you need to have a Florida car insurance for the period you are registered in Florida, even if you don’t drive in Florida.

Consequences Of Not Keeping A Car Insurance Policy

• In case you do not fulfill your obligation to keep a valid car insurance, as per the Florida auto insurance requirements, your driving privilege will be suspended and this includes license plates and registration. The term is up to three years, but it can end when you provide the insurance proof.
• You will also pay a fee ranging from $150 to $500 for subsequent violation and on top, you need to prove that you are currently insured.
• If you choose not to keep a auto insurance, you can avoid a suspension of driving privilege only if you surrender the license plate and registration of the vehicle at a Florida driver license or Tax Collector office, before you cancel your insurance policy.
• To note, in Florida you will not be able to get any temporary driver license when your driving privilege is suspended for no insurance.