Florida PIP and no-fault basics for drivers
What Florida's required coverages do, and the gaps they leave.
Florida is one of a handful of no-fault states. Under no-fault rules, your own Personal Injury Protection (PIP) pays a share of your medical bills and lost income after a crash, no matter who caused it.
What Florida requires
- Personal Injury Protection: $10,000. It generally covers 80% of necessary medical expenses and 60% of lost income, up to the limit, for you and certain household members.
- Property Damage Liability: $10,000 for damage you cause to someone else's property.
Florida does not require bodily injury liability for most drivers, though drivers involved in certain accidents or convicted of certain offenses can be required to carry it later.
The gaps
$10,000 of PIP can be used up quickly after an emergency room visit. And because bodily injury liability is optional, a driver who seriously injures someone else may have nothing to cover that person's claim, putting personal assets at risk.
Coverages Florida drivers often add
- Bodily injury liability to protect yourself if you injure others.
- Uninsured/underinsured motorist coverage, since many Florida drivers carry only the minimums.
- Collision and comprehensive, usually required if your car is financed or leased, and useful for flood and storm damage under comprehensive.
When comparing Florida quotes, check whether PIP has a deductible and whether medical payments coverage is offered to fill PIP's 20% gap.
This guide is general information from Rate Now Quote, not insurance, legal or financial advice. Coverage rules vary by state and insurer.