Reader’s Question:

I just moved to Florida. What are the state requirements for car insurance in Florida?

Percy

Clearwater, FL

Aside from Property Damage Liability (PD), Florida requires Personal Injury Protection (PIP) as basic coverage referred to as a PIP/PD with the following coverage: $10,000 limit for PD and $10,000 limit for PIP. PIP helps pay for reasonable medical expenses. In Florida, Uninsured/Underinsured Motorist Bodily Injury coverage is not required.

No-Fault system is followed in Florida: that is, regardless of fault, your insurance company will make payments up to a specified limit. With this system though, some of your rights to sue are lost.