Yes, personal injury protection (PIP) coverage is required as part of a Florida personal auto insurance policy in the year 2008.

Florida car insurance laws may be confusing to car owners and drivers that heard at the end of 2007 about how FL no-fault insurance laws had expired as of the first of October 2007 however the state legislature worked on the insurance laws in special sessions and in

The bill to restore Personal Injury Protection, also referred to as no-fault or PIP passed the House, 105-4, early October 5, 2007 and later in the day was passed unanimously by the Senate. Governor Crist signed the bill into law October 11, 2007. The bill to reinstate PIP then formally took effect January 1, 2008.

As the Florida Department of Highway Safety and Motor Vehicles (HSMV) and Department of Financial Services (FLDFS - the insurance regulator for Florida) both note that if your motor vehicle is registered in Florida, you must carry a minimum of

• $10,000 of personal injury protection (PIP) and
• $10,000 of property damage liability (PDL).

The Department of Highway Safety and Motor Vehicles does not require you to carry bodily injury liability (BIL) in order to obtain vehicle registration. However, if you are involved in an accident in which the other party is injured, you will be penalized for not having this coverage. Some CarInsurance.com carriers do not sell a policy without Bodily Injury Liability coverage included.

The Florida Financial Responsibility Law requires that any person at fault in a crash resulting in bodily injury and property damage to others must have in effect at the time of the crash full liability insurance coverage. This coverage includes minimum limits of bodily injury liability of $10,000 per person, $20,000 per incident.

You can read more about Florida's insurance requirements on our FL state page and then get an affordable Florida auto insurance quote here.