Auto Insurance

To register a vehicle with at least four wheels in Florida, you are legally required to carry:

• $10,000 in Personal Injury Protection (PIP): Covers your own medical bills regardless of who caused the accident.

• $10,000 in Property Damage Liability (PDL): Pays for damage you cause to someone else's property (their car, fence, etc.).

Note: While these are the minimums, they are often insufficient for serious accidents. We highly recommend adding Bodily Injury Liability (BIL) to protect your personal assets from lawsuits.

Florida is a "No-Fault" state. This means that if you are injured in a car accident, your own insurance (PIP) pays for your medical treatment and lost wages first—even if the other driver was 100% at fault. This system is designed to provide immediate medical coverage without waiting for a legal battle to determine blame.

This is critical: You must seek medical treatment within 14 days of your accident to qualify for PIP benefits. If you wait longer than 14 days, your insurance company may deny your claim entirely. Additionally, if a medical professional does not diagnose you with an "Emergency Medical Condition" (EMC), your PIP benefit is capped at $2,500 instead of the full $10,000. 

Under Florida law, PIP typically pays:

• 80% of reasonable medical expenses (up to your policy limit).

• 60% of lost wages if you are unable to work due to your injuries.

• $5,000 death benefit for funeral and burial expenses.

Yes. Your PIP and PDL coverage generally follow you if you are driving your insured vehicle (or a relative's vehicle) anywhere in the United States, its territories, or Canada. 

Insurance rates in Florida are highly personalized. Factors that influence your premium include:

• Your Driving Record: Accidents and moving violations within the last 3–5 years.

• Location: High-traffic areas like Miami often have higher rates due to the increased risk of accidents.

• Vehicle Type: Safety features and repair costs of your car.

• Credit-Based Insurance Score: In Florida, insurers use your credit history as one factor in determining risk.

Florida law requires continuous coverage. If your insurance is canceled or expires, the insurance company is required by law to notify the Department of Highway Safety and Motor Vehicles (FLHSMV). This can lead to:

• Suspension of your driver’s license and license plate for up to three years.

• Reinstatement fees ranging from $150 to $500

Florida has one of the highest rates of uninsured drivers in the country. Uninsured Motorist (UM) coverage is optional but highly recommended. It protects you if you are hit by someone who has no insurance or not enough insurance to cover your medical bills beyond what PIP pays.