Florida is one of a handful of states that operates under a no-fault auto insurance system. This means that after most car accidents, your own insurance pays for your medical expenses — regardless of who caused the crash. Understanding how this system works is essential for every driver on Florida’s roads.
What Is Personal Injury Protection (PIP)?
Under Florida law, drivers are required to carry a minimum of $10,000 in Personal Injury Protection (PIP) coverage. PIP covers 80% of necessary medical expenses and 60% of lost wages, up to the policy limit, regardless of fault. It also provides a $5,000 death benefit. To receive PIP benefits, you must seek medical treatment within 14 days of the accident — a critical deadline that many accident victims miss.
Florida’s Minimum Coverage Requirements
Florida requires all registered vehicle owners to carry $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Notably, Florida does not require Bodily Injury Liability (BIL) coverage for most drivers, which means you could be in an accident with an at-fault driver who has no coverage for your injuries beyond their minimal PIP. This is why uninsured and underinsured motorist coverage is strongly recommended for all Florida drivers.
Why You Should Consider More Than the Minimum
With Florida consistently ranking among the top states for uninsured drivers — estimates suggest over 20% of Florida drivers are uninsured — carrying only the minimum coverage puts you at significant financial risk. At Numero Uno Insurance, we help Central Florida drivers find comprehensive auto coverage that provides real protection. Our agents can walk you through options including collision coverage, comprehensive coverage, medical payments coverage, and rental reimbursement so you are never left vulnerable after an accident. Get a free quote today and drive with confidence.