Florida state law requires all drivers to carry Bodily Injury Liability Coverage; Property Damage Liability Coverage; and No-Fault Coverage.

In Florida the required minimum coverage for Bodily Injury Liability is:

• $10,000 per person injured in any one accident

• $20,000 for all persons injured in any one accident

The State of Florida also requires No-Fault Coverage which provides benefits (in a minimum amount) paid out regardless of fault. Per Florida statute drivers must purchase insurance which provides for Personal Injury Protection (PIP) with a limit of $10,000 per person for medical and disability expenses and $5,000 per person for death benefits. It should be noted that if monetary damages total less than the PIP monies issued, the policy holder will have no tort claim. A lawsuit may be brought, however, if the monetary damages are in excess of the PIP monies issued as well. A lawsuit may also be brought if there is any permanent injury; permanent loss of a vital body function; significant and permanent scarring and/or disfigurement; and death.

Consumers have the option of purchasing Uninsured Motorist Coverage which also includes Underinsured Motorist Coverage. If this choice is made, the UM must be in an equal amount to the Bodily Injury Liability Coverage unless a specific rejection has been made.