What are Florida's car insurance requirements and laws?

Florida law requires every registered vehicle to carry a minimum of $10,000 in Personal Injury Protection (PIP) coverage and $10,000 in Property Damage Liability (PDL) coverage. PIP is no-fault coverage that pays your medical bills and lost wages regardless of who caused an accident, up to the limit. PDL covers damage you cause to someone else's vehicle or property. These are the legal minimums, though many drivers carry higher limits for better protection. You must carry proof of insurance (your ID card) while driving, and you're required to show it to police if stopped. Florida is a no-fault insurance state, meaning your own insurance pays your medical expenses and lost income after an accident, even if the other driver was at fault. However, you can still sue the other driver if your injuries are serious enough or if medical bills exceed a certain threshold. Uninsured and underinsured motorist coverage is optional but strongly recommended, since not all drivers carry adequate coverage. Insurance rates vary based on driving record, age, vehicle type, and claims history. When you finance or lease a vehicle, your lender will require comprehensive and collision coverage to protect their investment in the car. If you're buying through a broker like Elite Edge, the dealer will verify your insurance before you drive off the lot. Our team can connect you with dealers who understand Florida's insurance requirements and can guide you through the process. Reach out at (954) 907-2386 or visit eliteedgeautobroker.com/PreQualify to get started.

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