How Florida Auto Insurance Laws Work. Florida requires drivers to have PIP insurance. PIP pays the policyholder's basic medical expenses, not. Personal car insurance covers private passenger vehicles.
Provides economic loss protection to an insured for bodily injury or property damage to third parties (liability) arising from the operation, maintenance or use of a covered car. You can also buy coverage for damage to vehicles you own (Collision %26 other than collision). Personal Injury Protection (PIP) Pays for Your Medical Expenses, Regardless of Fault. In Florida, PIP only covers 80% of the cost of care.
If you are injured in an accident, you will have to pay the remaining 20% with your health insurance or with your own money. In fact, having some level of auto insurance is the law in every state except two (Virginia and New Hampshire). In Florida, you must carry proof of insurance with you whenever you drive and it must be current. In the event that you are arrested or in a car accident, law enforcement will ask you to show this proof.
Registration of any new vehicle also requires that you have proof of Florida coverage. Since policy provisions vary by insurance company, you should contact your insurance agent or company to determine whether carrying your UM coverage on a cumulative or non-cumulative basis is best suited to your particular insurance needs. We also recommend this, as Florida has the second highest percentage of claims due to uninsured motorists, about 20%, according to the Insurance Information Institute. Seasonal residents often need to add PIP to their out-of-state policies, as this type of insurance is only required in 12 no-fault states.
However, remember that if an accident causes someone more damages or injuries than what is covered by your insurance policy, they have the right to sue you for damages. In other words, while Florida's insurance laws only require liability and personal injury protection, it's always a good idea to have coverage above the minimum requirement. After a car accident, you simply report the accident to your insurance company and they will provide you with information on how to proceed. Florida does not require drivers to have liability coverage for bodily injuries sustained by other drivers, passengers, pedestrians and bicyclists in an accident caused by the policyholder.
There are currently twelve states operating under “no-fault liability”, of which Florida is one. Other types of coverage that your car insurance company may also offer include roadside assistance and medical coverage (an additional policy to pay for medical expenses such as hospitalizations and medical treatment due to a serious accident). A liability claim for damage (or total loss) of a vehicle can be filed against the at-fault driver in Florida, without limitation. You can hold the at-fault driver responsible for the accident through an auto insurance claim or a third-party personal injury lawsuit, and you can claim compensation for all categories of non-economic losses, such as pain and suffering (which, again, are not available in a no-fault claim).
If you have insurance but can't prove it when you're stopped or at the scene of an accident, you're guilty of an “administrative offense,” similar to a seatbelt fine. Residents of the few states with lower mandatory PDL limits may also need additional property damage liability coverage to legally drive in Florida. This type of insurance coverage is also known as no-fault insurance because your coverage comes into effect regardless of who is at fault in an accident.
Florida car accidentlawyers recommend that you protect yourself with UM in case you are involved in a serious car accident and your injuries exceed PIP coverage.
It's always a risk to lend your car to someone else, because you could definitely end up filing a claim with your own insurance in Florida. .