Car Insurance Requirements in Florida


  • All drivers must understand car insurance requirements in Florida to operate a motor vehicle in our state legally.
  • Minimum requirements include $10,000 in Personal Injury Protection coverage per person per accident and $10,000 Property Damage Liability per accident.
  • You should seriously consider uninsured/underinsured coverage given that 20% of Florida drivers don’t have car insurance.
  • An experienced Florida car accident lawyer can offer valuable assistance if an uninsured motorist injures you in a collision.

If you’re new to our state, you might not be familiar with car insurance requirements in Florida. The following is a look at some of the minimum requirements and the benefits of buying an uninsured/underinsured policy.

You’ll also learn how a personal injury attorney can help should you get into a wreck with someone who doesn’t have insurance.

The car accident attorneys of Eberst Law Firm will provide you with skilled representation if you ever need help obtaining the compensation you deserve from an insurance company. You can call 772-225-5566 or contact us online to schedule a free consultation.

Man sitting by the side of the road looking worried after a rear end car accident

Types of Car Insurance Florida Requires

The minimum car insurance requirements in Florida, which are mandatory for all owners of registered vehicles, include Personal Injury Protection (PIP) and Property Damage Liability (PDL).

PIP coverage compensates for medical expenses and lost wages incurred by the policyholder and passengers in the event of an accident, regardless of fault.

PDL coverage pays for damages to another person’s property resulting from a car accident the policyholder causes.

Minimum car insurance requirements in Florida are as follows:

These minimum coverage limits are relatively low compared to those in other states. Consequently, drivers may be vulnerable in the event of a severe auto accident with extensive damages and injuries.

Therefore, many insurance experts recommend purchasing additional coverage beyond the minimum requirements to ensure adequate protection.

Why You Should Consider Uninsured/Underinsured Insurance

Uninsured/underinsured (UM/UIM) insurance provides coverage for medical expenses, lost wages, and other damages incurred by the policyholder and passengers.

This coverage applies if they’re involved in an accident caused by a driver who has no insurance or insufficient insurance to cover the full extent of the damages.

Exceeding the car insurance requirements in Florida is particularly crucial, where many drivers may be uninsured or underinsured. You should seriously consider purchasing UM/UIM insurance for several reasons. Here are just a few:

  • High rates of uninsured drivers: Florida has one of the country’s highest rates of uninsured drivers, with an estimated 20% of drivers lacking insurance coverage. If you’re involved in a car accident with an uninsured driver and don’t have UM/UIM coverage, you may have to cover your medical expenses and damages out of pocket.
  • Inadequate minimum coverage: Minimum car insurance requirements in Florida are relatively low and may not fully cover the costs of a serious accident with severe injuries or extensive property damage. UM/UIM insurance provides added protection that adequately compensates your losses.
  • Hit-and-run accidents: Unfortunately, it’s common for the at-fault driver to flee the scene without providing their insurance information in Florida. There were over 104,000 hit-and-runs in 2023 alone. UM coverage can help offset medical bills and repairs in the absence of the other driver’s insurance information.
  • Peace of mind: UM/UIM insurance provides peace of mind, knowing that you and your passengers are protected should an accident with an uninsured or underinsured driver occur. It ensures you can focus on recovering from your injuries without worrying about financial burdens.

How a Florida Car Accident Attorney Can Help After a Wreck with an Uninsured or Underinsured Driver

If you’re involved in a car accident with an uninsured or underinsured driver in Florida, you should hire a car accident attorney to help you pursue compensation for your damages. Here are some ways in which a personal injury attorney can assist you:

Exploring Alternate Means of Compensation

If the at-fault driver lacks insurance coverage or has insufficient coverage, an auto accident attorney can help explore alternate means of compensation.

This may include pursuing a claim against your own UM/UIM insurance policy or seeking compensation from other liable parties.

For example, you could sue the driver’s company if they were on the road for business. You could also take action against a manufacturer if a defective part caused the accident.

Negotiating with Insurance Companies

Dealing with insurance companies can be challenging, especially when they refuse to pay out claims or offer inadequate settlements. An experienced attorney can negotiate with the insurance company to ensure you receive fair compensation for your injuries and losses.

If negotiations with the insurance company are unsuccessful, an attorney can file a personal injury lawsuit and litigate your case in court. They’ll gather evidence, depose witnesses, and present your case to a judge and jury to seek maximum compensation for damages.

An experienced personal injury lawyer can provide expert legal advice and guidance throughout the claims process. They will also explain your rights and legal options.

Your Florida car accident attorney will ensure that you understand the potential outcomes of your case. That way, you can make informed decisions about how to proceed.

Contact The Eberst Law Firm With Any Questions About Car Insurance Requirements in Florida

If you’re having issues after being in a wreck with someone who failed to meet minimum car insurance requirements in Florida, The Eberst Law Firm’s team of skilled attorneys is ready to help.

We’ll also be here for you if you encounter issues with your insurer or the insurer covering the at-fault driver. At The Eberst Law Firm, we know that dealing with car insurance after a serious crash can be a frustrating and inconvenient experience.

Let our accomplished team of Florida car accident attorneys take the lead and negotiate for maximum compensation for your damages. Please don’t hesitate to use our online form or call 772-225-5566 for a free case review.

Frequently Asked Questions

Can I file a car accident lawsuit against an uninsured driver in Florida?

You can file a personal injury lawsuit against an uninsured driver in Florida to seek compensation for your damages. However, if the driver lacks insurance coverage, they may also lack the financial resources to satisfy a judgment.

What happens if I am partially at fault for an auto accident?

In Florida, the legal doctrine of comparative negligence applies. That means the court considers each party’s degree of fault for the accident when determining compensation.

If you’re partially at fault, the court may reduce your compensation proportionally based on your percentage of fault.

If you were more than 50% responsible for the crash, you’re likely ineligible to recover compensation from the other party.

Can I recover damages for pain and suffering in a car accident case?

Yes, you can recover damages for pain and suffering in a car accident case in Florida. This form of intangible damages provides compensation for lost quality of life, emotional trauma, and physical pain.

How long do I have to file a car accident lawsuit in Florida?

Florida’s statute of limitations for filing a car accident lawsuit is generally two years from the accident date. If your loved one was killed in a Florida auto accident and you are filing a wrongful death lawsuit on behalf of their estate, you have two years to do so.

It’s essential to consult with an auto accident attorney promptly to ensure that you meet all deadlines for filing your claim.

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Attorney Jon Eberst

Attorney Jon Eberst

Jonathan Eberst, the driving force behind The Eberst Law Firm, is known in his community and across Florida for knowledge and skill in the personal injury industry. Respected for his friendly and help attitude, he has consistently helped thousands of clients, ensuring their rights are upheld. Jon's profound expertise makes him a sought-after voice in the legal community, both online and in-person.

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