Reader’s Question:

What is the minimum bodily injury liability to carry on auto insurance in Florida?

Katie

Hialeah, FL

Vehicle owners or operators in Florida may be required to carry two types of insurance:

According to the FL No Fault law any individual who has a vehicle in Florida for more than 90 days during the preceding 365 days, a resident in Florida, is employed in Florida or has children in school in Florida must buy Personal Injury Protection ($10,000) and Property Damage Liability coverage ($10,000).

The second type of car insurance is listed under the Financial Responsibility Law. It states there that Florida requires drivers to carry additional liability insurance if they have caused accidents involving bodily injury or have been convicted of traffic offenses like DUI.

Therefore in FL if the insured get involved in an accident, the Financial Responsibility Law, regulated by the Department of Highway Safety and Motor Vehicles, also requires Bodily Injury Liability coverage of $10,000 Bodily Injury one person up to $20,000 Bodily Injury one accident.