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Required coverage in Florida
Florida is a no-fault state, which means your own insurance helps pay qualifying medical expenses after an accident regardless of who caused it.
Personal Injury Protection (PIP)
Covers qualifying medical expenses and lost wages after an accident. Florida requires a minimum of $10,000 in PIP for most registered vehicles.
Property Damage Liability (PDL)
Covers damage you cause to someone else’s vehicle or property. Florida requires a minimum of $10,000 in PDL for most registered vehicles.
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Recommended additional coverage
Florida’s minimum requirements often aren’t enough. We help you build stronger protection with options such as:
Comprehensive & Collision
Helps cover your vehicle after accidents, theft, storms, vandalism, and other covered losses.
Uninsured/Underinsured Motorist (UM/UIM)
Protects you when an at-fault driver has little or no insurance, subject to the terms of your policy.
Bodily Injury Liability
Helps cover injuries you cause to others. It may not be required for every driver, but it is strongly worth considering.
Roadside Assistance & Rental Reimbursement
Adds practical support and extra peace of mind when your vehicle is disabled or being repaired after a covered claim.
Coverage requirements and eligibility vary. This page provides general information, not legal advice. Confirm current requirements and policy terms with a licensed insurance professional. Florida’s official motor-vehicle agency lists $10,000 PIP and $10,000 PDL as the basic minimums for most registered vehicles.
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