Florida requires most drivers to carry $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily Injury Liability, which covers injuries you cause to others, isn’t required for most drivers, though it can become mandatory after certain violations like a DUI.
Any vehicle registered in Florida must keep continuous coverage. If your insurance lapses, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) can suspend your license and registration and charge reinstatement fees. The state minimum is among the lowest in the country. Most Orlando-area drivers are better protected with Bodily Injury Liability, Uninsured Motorist coverage, and Comprehensive.
Questions about your own policy? Near Me Insurance in Oviedo helps homeowners and drivers across Seminole and Orange County compare options from multiple carriers.
Related FAQs
Yes, but only if you carry Comprehensive coverage. Comprehensive covers flood, falling trees, hail, and wind damage to your vehicle. Liability-only policies, including Florida's minimum PIP and PDL, don't cover ...
After a Florida car accident, move to safety, call 911 if anyone is hurt, exchange information, document the scene, and see a doctor within 14 days so your PIP benefits ...
Uninsured motorist (UM) coverage isn't legally required in Florida, but it's strongly recommended because roughly one in five Florida drivers is uninsured and many others carry no bodily injury coverage. ...
