Do You Have Full Coverage Automobile Insurance in the State of Florida?

As experienced personal injury lawyers, we constantly come across clients who mistakenly believe they have full coverage automobile insurance, when they really don’t. Therefore, it is important to fully understand the different types of automobile insurance coverage available, as well as the requirements in the state of Florida, so you can obtain the proper coverage to adequately protect yourself and your loved ones.

Florida Automobile Coverage Required in Florida

Florida only requires $10,000 of personal injury protection (“PIP”) and $10,000 of property damage liability (“PDL”) in order to purchase and maintain a Florida license plate and registration.

Personal Injury Protection (PIP)

PIP benefits are paid by your own insurance company regardless of who was at fault for the accident, which is why Florida is classified as a no-fault state. PIP pays 80% of all reasonable medical expenses and 60% of lost wages up to $10,000 (subject to any deductible) for the named insured, resident relatives, passengers and pedestrians who do not have their own PIP and are injured in a motor vehicle accident.

In most cases, your PIP will cover:

  • Your child and other members of your household
  • Your child when he or she is riding on a school bus
  • You, when you are a pedestrian or bicyclist involved in a car accident
  • You, when you are a passenger in someone else’s car
  • Passengers in your car who do not have their own PIP insurance and do not own a car

Property Damage Liability (PDL)

PDL pays for any damages you cause in a car accident to someone else's property, such as their car, home or building.

Other Available Insurance Coverages

Bodily Injury Liability (BI)

BI pays for injury or death caused by your vehicle to others when you are legally responsible. BI pays up to the first limit for any one person and up to the second limit for two or more persons injured or killed where you are found at fault.

Comprehensive (Comp)

Comp pays for loss or damage to your vehicle caused by fire, theft, vandalism, adverse weather, etc.


Collision pays for repairs to your car if it collides with another vehicle, crashes into an object, or turns over, and pays regardless of who causes the accident. However, collision insurance does not cover injuries to people or damage to the property of others.

Uninsured Motorist/Underinsured Motorist (UM and UIM)

UM and UIM insurance pays if you, your passengers, or your family members are hit by someone who is at fault and does not have insurance, or has insufficient liability insurance to cover the total damages sustained. UM insurance pays for medical expenses, lost wages (beyond your PIP coverage), bodily injury, sickness, disease, or death resulting from a motor vehicle accident that you and your passengers suffer.

There are two types of UM coverage: non-stacked and stacked. Non-stacked UM will only pay if you are injured while in your vehicle with the coverage. Stacked UM will follow you where you go, meaning it will cover you if you are in your vehicle, in someone else's vehicle, or are struck by a vehicle as a pedestrian.

Medical Payments (Med Pay)

Med Pay covers medical expenses beyond those covered by PIP, which result from accidental injury.

Rental Reimbursement

Rental reimbursement coverage will permit you to be reimbursed for your car rental if an accident leaves your car unable to be driven. If the other driver was "at fault," that driver's liability insurance coverage may reimburse you for renting a vehicle similar to your own.

Contact Our Personal Injury Lawyers Today

At the Law Office of Jami Angelini Haggerty, P.A., we are comprised of dedicated, experienced, and compassionate personal injury lawyers who will do everything possible to fight for your rights following an accident. Whether you are in need of compensation for your medical bills, loss of wages, or pain and suffering, our legal team wants to advocate on your behalf. We will fight relentlessly in pursuit of the justice you deserve--you no longer have to fear facing this difficult time on your own.

Speak to a member of our team by calling us today at (954) 440-7314.


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