Florida is a no-fault state for car injuries. The policy that meets the law has personal injury protection and property damage liability. Bodily injury liability is a separate choice, and it is the part that matters when someone else is hurt.
This page is a guide to the Florida rules. It is not a quote, and it does not name a price.
What it covers
Personal injury protection pays a share of medical care and lost income for the people the statute lists, including you and passengers, no matter who caused the crash. Property damage liability pays for someone else's car or property when you are at fault. Bodily injury liability pays when you injure another person. Uninsured and underinsured motorist coverage can pay you when the other driver has little or no coverage. Collision and comprehensive pay for your own car, subject to the deductible on the declarations page.
What it doesn't cover
The required limits do not pay for pain and suffering. A claim for that still has to meet Florida's injury threshold. Personal injury protection does not pay massage or acupuncture. It does not replace a health plan, and it does not cover a motorcycle. A personal auto policy often leaves out business use, delivery, and a car you do not own. Read the exclusions before you rely on the card in the glove box.
Florida specifics
Section 627.736 sets the personal injury protection benefit. Medical care is 80 percent. Lost income is 60 percent. Initial treatment has to start within 14 days. The full 10,000 dollar medical benefit applies when a qualifying provider determines an emergency medical condition. Without that determination, medical benefits stop at 2,500 dollars. There is also a death benefit in the statute.
Section 324.022 requires 10,000 dollars of property damage liability for most owners. Bodily injury liability is not part of that minimum. Section 627.727 requires the company to offer uninsured motorist coverage. You may reject it in writing. Telematics programs, which track how a car is driven, and a package with a home policy are company options, not requirements of the statute.
How we help
Bring the declarations page, or start a quote and tell us about the drivers and the cars. We compare the bodily injury limits, the uninsured motorist choice, and the deductibles, not only the amount you pay. Call the Jacksonville office on Beach Boulevard or the Middleburg office on Blanding Boulevard if you would rather talk it through.