Florida is a no fault state and requires that drivers have Personal Injury Protection (PIP) and Property Damage Liability (PDL) but Bodily Injury Liability (BIL) is not required in Florida normally for a driver even though it is advisable to have as part of your auto insurance coverages.

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 a driver is involved in an accident, the Financial Responsibility Law, regulated by the Department of Highway Safety and Motor Vehicles (HSMV), also requires Bodily Injury Liability coverage ($10,000 Bodily Injury one person, $20,000 Bodily Injury one accident).

Florida insurance in this respect can be confusing. 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 obtain and maintain Bodily Injury insurance on your policy. The minimal amount you can get of BIL is 10/20 or $30,000 combined. Some CarInsurance.com carriers do not sell a policy without Bodily Injury Liability coverage included.

So Bodily Injury Liability is not usually required in Florida as part of basic minimum auto insurance coverage but it can be required if you are at-fault in an accident and cause injury or had a DUI. With a DUI you are required to file a FR-44 with higher Liability limits in the amount of 100/300/50.

Florida Statute 324.023 is the specific law that speaks about the higher limits and her in part states that:

Every owner or operator of a motor vehicle that is required to be registered in this state, or that is located within this state, and who, regardless of adjudication of guilt, has been found guilty of or entered a plea of guilty or nolo contendere to a charge of driving under the influence under s. 316.193 after October 1, 2007, shall, establish and maintain the ability to respond in damages for liability on account of accidents arising out of the use of a motor vehicle in the amount of $100,000 because of bodily injury to, or death of, one person in any one crash and, subject to such limits for one person, in the amount of $300,000 because of bodily injury to, or death of, two or more persons in any one crash and in the amount of $50,000 because of property damage in any one crash.

Our website can handle the new requirements of higher Bodily Injury Liability limits if you need a FR-44 or the lower limits if you just want the minimum BIL that is required if you were to be in a crash with injuries. You simply need to quote and purchase car insurance online.