In Florida vehicle owners or operators may be required to carry two types of insurance. The first type of auto insurance is detailed in the Florida Motor Vehicle No-Fault Law (sections of Ch. 627 of the Florida Statutes). Here it requires every person who registers a vehicle in Florida to carry personal injury protection (PIP) and property damage liability insurance (PDL) on the vehicle.
The FL No Fault law states that any person who has a car in Florida for more than 90 days during the preceding 365 days, resides in Florida, is employed in Florida or has children in school in Florida must purchase Personal Injury Protection ($10,000) and Property Damage Liability coverage ($10,000).
These insurance coverages provide compensation for insured drivers’ physical injury regardless of who is at fault in an accident and for property damage to others when an insured driver is at fault.
The second type of auto insurance is listed under the Financial Responsibility Law (Ch. 324 of the Florida Statutes). Here Florida requires motorists to carry additional liability insurance if they have caused accidents involving bodily injury or have been convicted of certain offenses, such as driving under the influence.
Thus in FL if the insured is involved in an accident, the Financial Responsibility Law, regulated by the Department of Highway Safety and Motor Vehicles, also requires Bodily Injury Liability coverage ($10,000 Bodily Injury one person, $20,000 Bodily Injury one accident).
So bodily injury liability (BIL) is not required to register your car in Florida, only PIP and PDL are, however it is smart to also carry BIL since if you are in an accident where there are injuries you can then be required by the state to then obtain and maintain bodily injury insurance on your policy. The minimal amount you can get of BIL is 10/20 or $30,000 combined.
You can get a quote for a FL car insurance policy here with us. If you have more questions regarding the Florida insurance laws you can contact the insurance regulator for this state
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