The Top 5 Things to Know About Auto Insurance in Florida

When it comes to auto insurance, Florida is unique. With its bustling cities, scenic highways, and year-round warm weather, Florida has its own set of rules, regulations, and risks that drivers need to understand. Whether you’re a resident or just visiting, it’s crucial to be informed about the types of coverage required and recommended for driving in the Sunshine State. Here are the top 5 things you need to know about auto insurance in Florida.

1. Personal Injury Protection (PIP) is Mandatory in Florida

• One of the most distinctive aspects of Florida’s auto insurance laws is its requirement for Personal Injury Protection (PIP) coverage. Florida is a no-fault state, which means that regardless of who caused the accident, each driver’s insurance covers their own medical expenses and lost wages up to a certain amount. The minimum PIP coverage required by law in Florida is $10,000, but it’s advisable to consider higher coverage, especially if you frequently drive or if your medical expenses could exceed that limit.

2. Uninsured Motorist Coverage is Highly Recommended

• Florida has a high percentage of uninsured drivers. Uninsured Motorist (UM) coverage is not required by law but is strongly recommended. If you’re involved in an accident with a driver who doesn’t have insurance (or whose insurance is insufficient to cover your damages), your own uninsured motorist coverage will step in to protect you. This coverage is especially important in Florida, where traffic congestion and the risk of accidents are high.

3. Liability Coverage is Required by Law

• Florida law requires drivers to carry liability insurance to cover damages caused to others in an accident. The state minimum coverage is $10,000 for bodily injury per person and $20,000 for total bodily injury per accident, along with $10,000 in property damage liability. While these minimums meet the legal requirements, they may not provide enough protection in a serious accident. Consider increasing your liability coverage to protect your assets in the event of a lawsuit.

4. Florida’s High Traffic and Severe Weather Risks

• Florida’s high population, combined with its status as a popular tourist destination, means that drivers face a higher risk of accidents. From congested city streets to highways, the likelihood of getting into an accident is significant. In addition, Florida’s unpredictable weather — especially during hurricane season — can increase the risk of accidents caused by wet roads, flooding, and reduced visibility. To protect yourself, consider adding comprehensive and collision coverage to your auto policy. These types of coverage will help you repair or replace your vehicle in case of damage caused by weather events or accidents.

5. Choosing the Right Auto Insurance Policy

• Selecting the right auto insurance policy in Florida involves considering several factors, including your driving habits, the value of your vehicle, and your risk tolerance. Florida drivers should be aware of the following options:

  • Comprehensive Coverage: Protects against theft, vandalism, and weather-related damage, like hurricanes and flooding.

  • Collision Coverage: Covers the cost of repairs or replacement of your car after an accident, regardless of fault.

  • Medical Payments (MedPay): Helps cover medical bills for you and your passengers after an accident.

  • Roadside Assistance: Offers help if you’re stranded due to a breakdown or flat tire.

When selecting your coverage, it’s important to weigh the risks and make sure you have adequate protection in case of an accident, especially in a state like Florida, where natural disasters and accidents can happen unexpectedly.

Protecting Yourself on the Road in Florida

Auto insurance in Florida has some unique aspects that can be confusing, but with the right knowledge, you can choose the coverage that best suits your needs. From mandatory PIP coverage to the risks posed by uninsured drivers and severe weather, understanding the key components of Florida auto insurance will help ensure you’re adequately protected.

Ready to make sure you're properly covered? Contact Anderson Agency Insurance today to discuss your options and get a quote that fits your needs in Florida. Whether you're a new driver or a seasoned pro, we've got you covered!