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Minimum car insurance in Florida
Liability insurance in Florida:
Bodily injury liability insurance is not required in Florida unless you have been found guilty of driving under the influence (a DUI conviction):
- If the offense took place before Oct. 1, 2007, the minimum required limits were $10,000 per person and $20,000 per accident.
- If the offense took place after Oct. 1, 2007, the minimum required limits are $100,000 per person and $300,000 per accident.
Property-damage liability is required in Florida. It will cover the damage to others if you cause an accident. So if someone hits your car or property, you can make a claim against their property-damage liability insurance. The minimum property-damage liability you must buy in Florida is:
- $10,000 for property damage per accident.
- $50,000 for property damage if you have been found guilty of driving under the influence.
Uninsured/underinsured motorist (UM/UIM) coverage:
- Uninsured/underinsured motorist coverage (UM/UIM) is not required in Florida. This coverage pays for injuries to you or your passengers from a driver who has no liability insurance or not enough of it. Insurers must offer UM in Florida but you can reject it in writing.
- If you do buy UM, the minimum coverage is $10,000 per person/$50,000 per accident for injuries.
No-fault insurance in Florida
In Florida, you must buy at least $10,000 in PIP coverage and $5,000 in death benefits.
Optional car insurance in Florida
Liability insurance and PIP won't cover damage to your own vehicle. For example, say you sideswipe a guardrail or hit a sign post. For that, you want collision coverage. Here are more types of insurance.
Collision coverage: For car damage caused by hitting another vehicle or an object, like a tree.
Comprehensive coverage: For car theft or damage to your car caused by fire, weather, vandalism, falling objects, explosions and crashes with animals.
Rental reimbursement: This insurance pays for a rental car when your vehicle needs repairs due to a car accident covered by comprehensive or collision insurance.
You must show an insurance ID card (or other proof of financial responsibility) in Florida when:
- Law enforcement requests it.
- You renew vehicle registration.
Here's information about doing a Florida driver's license check to see if your license is valid or suspended.
Penalties for not having car insurance in Florida
- Failure to maintain mandatory coverage may result in the loss of registration and driving privileges.
Source: Property Casualty Insurers Association of America
Consumer complaints against the largest auto insurance companies in Florida
Each state handles complaints against insurance companies that operate in the state. A national "complaint ratio" is meant to show the number of complaints against a company relative to its size of business. Shown below are ratios for the largest car insurance companies in Florida.
Updated July 9, 2018
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