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Florida State law requires all drivers to the bodily injury liability coverage, property damage liability coverage, and no-fault coverage.

In Florida the required minimum coverage for bodily injury liability is limited:

• $ 10,000 per person in an accident

• $ 20,000 for all persons injured in any one accident

The State of Florida, a no-fault coverage, the benefits (in a minimum amount) paid, regardless of fault. By law, the Florida drivers buy insurance, for personal protection (PIP) with a limit of 10,000 U.S. dollars per person for medical and disability costs and $ 5,000 per person for death. It should be noted that if monetary damages total less than the PIP funds are spent, the policyholder is not entitled in tort. An action may be levied, however, if the monetary damages are higher than the PIP funds are spent. An action can also be brought if there is a permanent injury, permanent loss of an important body function, significant and permanent scarring and / or disfigurement and death.

Consumers have the option to purchase uninsured motorist coverage also underinsured motorist coverage. If this choice is made, the UM must be equal to the bodily injury liability coverage, unless a specific rejection was based.

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