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First Florida Underwriters Insurance blog

How much auto insurance is required in Florida?

Florida is a “no-fault” state, which means that all drivers are required to have enough insurance to cover damages sustained in a car accident regardless of whether or not they are responsible for the incident. It may be confusing to understand the “no-fault” policy at times, which is why some Orange Park, FL residents are left wondering how much auto insurance is needed to fulfill the state’s requirements. The agents at First Florida Underwriters Inc. can help you understand Florida’s car insurance policies so that you are fully covered in an accident. 

How much auto insurance does Florida require?

The Sunshine State requires drivers to show proof of at least $10,000 in bodily injury protection for each person ($20,000 per accident). Drivers must also have at least $10,000 property damage liability and $10,000 personal injury protection (PIP) to legally operate a vehicle in Orange Park, FL, and throughout the state. 

What is personal injury protection?

Personal injury protection is an addition to your indemnity policy that covers medical expenses as well as lost wages. This extension makes Florida’s “no-fault” insurance policy possible by paying for damages that a traditional indemnity plan would not ordinarily cover. 

How much auto insurance do you need in Florida?

The state minimum may not be enough to keep you from suffering significant financial loss if you are involved in a car accident in Florida. The agents at First Florida Underwriters Inc. can help you find the auto insurance policy that works best for your lifestyle. Do not wait until it is too late to find out that you do not have enough indemnity coverage. Call First Florida Underwriters today to get started with a quote for insurance.