What Are Florida Car Insurance Requirements
Below is a MRR and PLR article in category Finance -> subcategory Wealth Building.
Florida Car Insurance Requirements
Summary
In Florida, car insurance requirements include $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL).
Overview
Florida, like every state in the U.S., mandates minimum car insurance coverage. These requirements ensure that drivers have financial protection in place. Some people fulfill these needs by buying insurance through a provider, while others may opt to self-insure or post a bond to meet the required amounts.
Florida's Specifics
Every driver or vehicle owner in Florida must meet these insurance standards to register a vehicle and obtain tags. It isn’t permissible to bypass these requirements by simply avoiding registration; vehicles must be registered to be legally driven on Florida roads. This rule applies even if your car isn’t operational or being driven in the state. Any registered and tagged vehicle in Florida must have the state’s minimum insurance.
Additional Requirements
In certain situations, such as after an accident or a conviction for DUI/DWI, drivers may be required to purchase additional Bodily Injury Protection. These cases typically involve those who have demonstrated higher risk on the road.
Important Considerations
Before searching for a policy that complies with Florida's car insurance standards, verify your eligibility for minimum coverage. Not all drivers qualify for the minimum. For example, if you financed your vehicle, your lender might demand more coverage than Florida’s basic requirements until the loan is fully repaid.
By understanding and meeting these rules, you can ensure that you're driving legally and responsibly on Florida’s roads.
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