Florida Auto Insurance Requirements

Have Questions about Your Auto Insurance? John Bales Attorneys Can Help.

Although your auto insurance company may not always be helpful after an auto accident, Florida law requires that you carry insurance for any four-wheeled vehicle that you own and operate. If you are involved in a car wreck where someone is injured and you do not have insurance, you can face stiff penalties—including the loss of your license and even jail time.

Florida insurance laws are complex. The level of coverage you need depends on many different circumstances, and sometimes you may not realize your coverage is lacking until after the accident. At John Bales Attorneys, our auto accident lawyers are familiar with car insurance laws in the state, and we can help you after your accident—just dial (800) 225-5564 or fill out a free initial consultation form.

Types of Auto Insurance

When you purchase auto insurance in Florida, there are many factors to consider and several types of insurance available, including:

  • Personal Injury Protection (PIP) — or Florida No-Fault Insurance—covers your damages regardless of who is at fault for the accident. You must carry a minimum of $10,000 of PIP coverage.
  • Bodily Injury Liability (BIL) — covers the costs related to the permanent injuries or deaths of others if you are involved in an auto accident. This coverage also provides compensation in the event that you are sued for the accident.
  • Property Damage Liability (PDL)  — PDL coverage pays for any damage that occurs to other parties’ vehicles in the accident.
  • Uninsured and Underinsured Motorist (UM/UIM) InsuranceUM and UIM insurance covers damages if the person who caused your accident does not carry his or her own insurance policy.


Get John Bales Attorneys on Your Side

As auto accident lawyers, we know that insurance companies do not always play by the rules—and they may deny you money when you need it the most. It is our goal to level the playing field and fight for your rights to compensation. To get the experienced legal team at John Bales Attorneys on your side, contact us today.