Florida Auto Insurance

Florida auto insurance is different then most states, in that it is a no-fault insurance state. That means that the insurance company must pay for your injuries regardless of who was at fault. This means that there are no bodily injury liability minimums required by law if you are accident free. You are required however to have property damage insurance and Personal Injury Protection (PIP). Listed below are the auto insurance limits in Florida

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• Property Damage Liability - This insurance covers damage to other motorist’s vehicles as well as other property that is damaged as a result of the accident. The minimum amount of property damage liability is $10,000. The at-fault person's insurance company will cover this damage. This does not, however, cover damage to your car in the result of an accident at which you are at fault. To cover your car, you must purchase comprehensive and collision insurance, which you can read about in the types of coverage's section.
• Personal Injury Protection (PIP) - You are also required to have Personal Injury Protection (PIP) coverage of at least $10,000. This is the no-fault aspect of insurance; this is coverage for your injuries in an accident, regardless of fault.

If you have been involved in a crash or have been convicted of certain offenses then you may forced to purchase Bodily Injury Liability as well.

• Bodily Injury Liability - If you are forced to purchase bodily injury liability, then you must have a minimum of $10,000 per person and $20,000 per accident. This coverage covers third party injuries and medical bills if you are found at fault for an auto accident.

Remember that if the injuries and damages cost more then your insurance maximum, you will be liable for paying the damages over this maximum. It may be wise to increase your PIP or property damage insurance in order to fully protect yourself. Also just because it is bodily injury liability is not manditory does not mean you should not purchase it. You can still be sued for medical expenses and injuries if you were at fault for an accident.

Get a free auto insurance quote comparison Florida, in order to get an estimate on how much insurance would cost, for the coverage’s you select of Florida auto insurance.

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