Understanding more about Florida’s car insurance requirements – II

In our previous post, we began discussing how those moving to Florida should be aware that if they intend to operate a vehicle with four or more wheels, they will not only need a driver’s license and registration, but also a certain amount of auto insurance coverage.

To that end, we began discussing how the Sunshine State requires motorists to secure a minimum of $10,000 in personal injury protection — PIP — insurance, which is designed to provide coverage regardless of who is to blame for a serious car crash.

It’s important for people to understand that in addition to this $10,000 in PIP coverage, the state requires motorists to carry a minimum of $10,000 in property damage liability insurance.

As implied by the name, PDL insurance is designed to cover damage that you or anyone in your family causes to the property of another while behind the wheel. Indeed, it applies even when you are not driving your own vehicle.

It’s important to understand that property in this sense can mean more than just damage to a car owned by another person, but can include buildings, fences and houses, among others.

While the $10,000 in PIP coverage and the $10,000 in PDL coverage is the baseline for most motorists, it’s important to note that things are slightly different if you’ve been convicted of driving under the influence.

Indeed, you will be required to secure what is known as bodily injury liability insurance for three years following the reinstatement of your license. This would cover any serious injuries or fatalities for which you are found to be responsible.

Currently, the policy minimums for BIL insurance are $300,000 worth of coverage per accident and $100,000 worth of coverage per person. Furthermore, the minimum level of PDL insurance for those with a DUI on their record is $50,000.

In our next post, we’ll examine why some state lawmakers are actually calling for an end to PIP coverage.

Please consider speaking with an experienced legal professional to learn more about your rights if your automobile insurer has failed to provide the legal representation to which you are entitled or otherwise fulfill its obligations.