auto insurance in the Florida Motor Vehicle
The first type of auto insurance is outlined in the Florida Motor Vehicle No-Fault Law (s. 627.736,
Florida Statutes). It requires every person who registers a vehicle in Florida to provide proof they have
personal injury protection (PIP) and property damage liability (PD), with minimum limits of $10,000
each. PIP covers injuries you and certain others may incur in an auto accident, regardless of fault. PD
covers your liability if you damage property belonging to someone else in an auto accident. Examples
might include another person’s vehicle, a telephone pole or a building.
Individuals who are in the State of Florida with their vehicle for more than 90 days in the last 365 days
must carry these minimum limits of coverage. It is important to note that the 90 days do not need
to be consecutive in order for the law to apply. Questions about titling or registering your vehicle or
further clarification on how Florida’s auto insurance laws apply to you should be directed to the Florida
Department of Highway Safety and Motor Vehicles. You may visit them online at www.flhsmv.gov or call
(850) 617-2000.
The second type of auto insurance is outlined in the Florida Financial Responsibility Law. It requires
drivers who have caused accidents involving bodily injury/death or received certain citations to purchase
bodily injury liability (BI) coverage with minimum limits of $10,000 each person and $20,000 each
accident, referred to as split limits. You may purchase a policy that covers both types of insurance
required with a single limit of at least $30,000. Drivers convicted of driving under the influence must
purchase BI coverage in the amount of $100,000/$300,000 and $50,000 in PD liability
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