Under Florida law, all drivers are required to carry two types of insurance coverage:
- A minimum of $10,000 in personal injury protection (PIP). This covers medical expenses and loss of income due to accident-related injuries. It applies to you, your children, and other household members. It may also apply to passengers that were in your car if they do not own their own vehicle and do not have their own insurance coverage.
- A minimum of $10,000 in property damage liability (PDL). This covers the damage to another person’s vehicle or other types of personal property in an accident that you caused. Conversely, if you are in a crash caused by another driver, that person’s PDL insurance will cover your property damage.
Note that these are the minimum amounts of coverage required. You can choose to buy higher amounts of coverage, which is usually recommended. For example, medical expenses after a serious injury can easily exceed $10,000, especially if more than one person was injured in your car.
There are also optional types of coverage you can add to your policy that apply to injuries. These include:
- Bodily injury liability (BIL) – If you cause an accident, this covers the injuries or death of another person in the crash, up to the policy limit you choose. Likewise, if you were seriously hurt in a crash caused by another driver, you would be covered by their BIL coverage, if they have it on their policy. Drivers who have a history of serious accidents or who have been convicted of certain traffic violations may be required to carry this type of coverage.
- Uninsured/underinsured motorist protection (UM/UIM) – This type of coverage kicks in if the other driver in the crash does not have liability insurance, or not enough to pay for your injuries. UM coverage also applies if you are hurt by a hit-and-run driver who is never identified. While this type of coverage is optional, insurance companies are required to offer it to you.