$15,000 per person

Minimum liability insurance coverage must be at least $15,000 for bodily injury or death of 1 person, $30,000 for the bodily injury to 2 or more persons in any 1 accident, and at least $25,000 for damage to property as a result of any 1 accident.

You should carry bodily-injury coverage of at least $100,000 per person, and $300,000 per accident, and property-damage coverage of $50,000, or a minimum of $300,000 on a single-limit policy.

$10,000 is the correct minimum coverage that you must have for property damage liability.

$20,000 is the correct minimum coverage that you must have for Bodily Injury Liability for two or more persons.

In Florida there are two motor vehicle insurance laws. They are the Financial Responsibility Law and the No-Fault law. It is important that you understand these laws because if you do not have the proper insurance, you can lose your driver license and license plate(s) and have to pay large fees to get them back.

Required Auto Insurance Coverage in Florida

According to Florida insurance requirements, the minimum personal injury protection (PIP) coverage is $10,000. This amount can be used to cover up to 80% of the necessary medical care that results from a car accident.

Personal injury refers to any injury that occurred in an accident, including physical, mental, or emotional damage, whereas bodily injury more specifically refers to physical injury to one’s body.

Bodily injury liability coverage pays for other drivers’ and passengers’ injuries when the policyholder is at-fault in an accident. Bodily injury liability can cover medical bills, funeral expenses, lost wages, legal fees, and other related costs.

Multiply the total of your special damages by one or two to get a fair estimate of your pain and suffering value. For severe injuries, you’ll need a personal injury attorney to get the insurance company to pay a fair amount for your pain and suffering.