Reader’s Question:

In the state of Florida, is PIP coverage mandatory for a taxi cab?

Michael

Clearwater, FL

According to the Florida Department of Highway Safety and Motor Vehicles (HSMV), vehicles used as livery services, like taxicabs and limousines, are exempt from the mandatory personal injury protection (PIP) coverage that personal car insurance policies must include according to the Florida no-fault insurance law.

Although PIP is not a requirement on a Florida Commercial Auto Policy, it may be included on some insurance policies. Commercial policies have many more options and variables that can cause PIP to be included or not included so you may speak to an car insurance agent about what options you may choose to add on to your policy to give you the best protection for you, your vehicle and the passengers that you will transport in the taxicab and what coverages you are mandated to have on your taxicab.