Because requirements can change and exemptions involve specific eligibility and filing steps, confirm your business’s current legal requirements with the Florida Division of Workers’ Compensation.
For most privately owned passenger vehicles registered in the state, Florida insurance requirements include at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily injury liability is not part of Florida’s standard PIP and PDL registration minimum for most private passenger vehicles, although it may be required in certain circumstances based on a driver’s record or prior incidents.
“Full coverage” is not an official policy type or legal term. It is commonly used to describe an auto policy that includes the state-required coverages along with comprehensive and collision coverage, and it may also include bodily injury liability, uninsured motorist coverage, or other options depending on the policy. Many drivers also consider bodily injury liability, which can help cover eligible injuries they cause to others, and uninsured/underinsured motorist coverage, which can help with certain injury-related losses when an at-fault driver has little or no bodily injury liability coverage. If your vehicle is financed or leased, the lender or leasing company will typically require comprehensive and collision coverage while its financial interest in the vehicle remains.
Florida is a no-fault state. Under Florida’s no-fault system, PIP can provide certain benefits through your own policy after an eligible auto accident regardless of who caused the crash. That is why PIP is required for most privately owned vehicles registered in Florida.
Florida law generally requires initial medical services and care within 14 days of the accident to qualify for PIP medical benefits. Medical reimbursement may be limited to $2,500 if the injured person is determined not to have an emergency medical condition; up to $10,000 may be available when an emergency medical condition is established, subject to the policy and Florida law. Learn more about Personal Injury Protection (PIP).
can help pay for eligible injuries or property damage you cause to others, subject to policy limits.
can help pay for covered non-collision losses, such as theft, fire, vandalism, or storm damage.
can help with certain injury-related losses when an at-fault driver has no bodily injury liability coverage or does not have enough coverage for the eligible damages.
provides certain benefits through your own policy after an eligible accident, subject to Florida law and policy terms.
may provide help for covered roadside emergencies such as breakdowns, lockouts, and flat tires, depending on the carrier and program.
may reduce an eligible deductible over time when available and when the program’s requirements are met.
may prevent an eligible accident from affecting the policy in the way it otherwise would, subject to the carrier’s program terms.
is designed for classic, custom, and other vehicles that may need specialized coverage.
may be available through eligible policies and carriers.
is available for drivers travelling into Mexico, where a standard U.S. auto policy generally does not satisfy Mexican liability insurance requirements.
Uninsured/underinsured motorist coverage can help with certain injury-related losses when an at-fault driver has no bodily injury liability coverage or does not have enough coverage for the eligible damages. Availability, limits, and covered losses depend on the policy.
Call Headley Insurance Agency at (863) 701-7411 or request a car insurance quote online. We help drivers looking for car insurance in Lakeland, FL and surrounding communities. Walk-ins are welcome at our Lakeland office.
