Florida (FL) Insurance Law


This is a copy of the Law as it was when posted. We believe it to be accurate and complete, but we make no guarantees or warrantees. If you know there to be a mistake in what is posted here, please inform us of such by clicking here.

Florida Car & Motorcycle Insurance

  • Liability Required? YES (Only property damage liability is required)
  • Personal Injury Protection Required? YES
  • No Fault State? YES
  • Uninsured Motorist Coverage Required: YES

Required Minimum Bodily Injury Coverage

  • $10,000 per person injured in any one accident and $20,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

  • $10,000 for injury to or destruction of property of others in any one accident

Required No-Fault Coverage.

  • Florida has a No-Fault Law that provides a minimum amount of insurance benefits that are paid without regard to fault. Florida’s No-Fault statute requires motor vehicle owners to purchase an insurance policy that provides for certain security, including required Personal Injury Protection (PIP) coverage benefits to a limit of $10,000 per person for medical and disability expenses, as well as $5,000 per person in death benefits. If economic damages are less than PIP coverage paid out, a person has no tort claim. However, a person can sue if economic damages exceed that paid out by PIP, as well as when the victim suffers permanent injury, permanent loss of an important bodily function, significant and permanent scarring or disfigurement, or death. Whether a person suffers permanent injury or significant and permanent scarring or disfigurement is a question of law to be decided by a judge.

Optional Insurance Coverage

  • Uninsured (UM) Motorist Coverage. UM includes underinsured motorist (UIM) coverage. If elected, UM must be equal to the bodily injury liability coverage purchased, unless specifically rejected.

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