What Are Florida Car Insurance Requirements?

In Florida, the car insurance requirements are as follows: $10,000 for personal injury protection, also known as PIP, and $10,000 for property damage liability, also known as PDL.

Floridians are not alone when it comes to having state-imposed car insurance requirements. All states in America require minimum car insurance requirement. While some people choose to satisfy these car insurance requirements by purchasing their policy through an insurance company, other people choose to be “self-insured,” or to put down a bond that will cover the amount of the car insurance requirements. How you choose to show proof that you have met your state’s car insurance requirements is up to the state.

In Florida, these car insurance requirements must be met by every driver or vehicle owner who wishes to register and purchase tags for his vehicle.

No one can opt not to purchase the car insurance requirements by rationalizing he just will not register and tag his vehicle. Vehicles must be registered and tagged in order for the car to operate legally on the roads. The minimum car insurance requirements also apply even if you are not driving your car in Florida, or if your car is not operative. If your car is registered and tagged in Florida, you must have the Florida’s minimum car insurance requirements.

Sometimes drivers are required to purchase bodily injury protection, too; these cases usually fall into the hands of drivers who have been in an accident or drivers who have been convicted of an offense such as driving under the influence (DUI) or driving while intoxicated (DWI).

Before you begin your search for a policy that meets Florida’s car insurance requirements, make sure you are eligible to have that minimum coverage – not all drivers are. If you have borrowed money to purchase your new car, your lender will undoubtedly require you to purchase more than Florida’s minimum car insurance requirements until the debt is paid.