--- description: If you're a driver in Florida, you need insurance for your motor vehicle. It's the law. But do you know what kind of coverage is required? title: Do You Need Car Insurance in Florida - Fran Haasch Law Group --- Do You Need Car Insurance in Florida - Fran Haasch Law Group [Home](https://www.lawfran.com/) » [Car Accident Lawyers](https://www.lawfran.com/car-accident-lawyers/) » Do You Need Car Insurance in Florida # Do You Need Car Insurance in Florida Last Updated: October 16, 2025 Reading Time: 4 minutes trusted Content Legally Reviewed by: Fran Haasch Updated 8 months ago Table of Contents Our Case results $1,800,000 Car Accidents $1,800,000 Car Accidents $1,550,000 Car Accidents $1,350,000 Car Accidents $1,345,750 Car Accidents $1,300,000 Car Accidents $1,300,000 Car Accidents $1,025,000 Car Accidents $1,025,000 Car Accidents $1,000,000 Car Accidents $1,000,000 Car Accidents $1,000,000 Car Accidents $1,000,000 Car Accidents $895,000 Car Accidents $800,000 Car Accidents $750,000 Car Accidents $750,000 Car Accidents $750,000 Car Accidents $700,000 Car Accidents $700,000 Car Accidents View All Results Our Practice Areas Testimonials Extremely attentive and considerate. Highly recommend them. When I got in my car accident they kept me up to date with everything didn’t have to be on top of them. Very professional. Thank you guys for all you help me with. Julie Rodriguez I was in a car accident a few years ago, they helped me through the process .Very professional and very generous toward the different charities that they help. I've gotten to know a lot of good people throughout the years that are affiliated with them. Thomas Scharf Attorney Fran Haasch was great in helping me with my medical bills and settling my case! They really cared about me and my family. I recommend them, if you have injuries from an automobile accident. 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Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out. Δ If you’re a driver in Florida, [you need insurance](https://www.lawfran.com/car-accident-lawyers/florida-car-insurance-laws/) for your motor vehicle. It’s the law. But do you know what kind of coverage is required? And what happens if you don’t have insurance? We’ll answer all of your questions about car insurance in Florida in this blog post! Contact The Fran Haasch Law Group today for a [free consultation](https://www.lawfran.com/contact-us/) if you feel you have been the victim of a car accident through no fault of your own and have questions about what is covered under insurance policies. ## Minimum Auto Insurance Coverage Requirements in Florida The Florida Department of Highway Safety and Motor vehicles states that Florida car insurance laws [require a minimum](https://www.lawfran.com/car-accident-lawyers/minimum-car-insurance-in-florida/) of $10,000 in Personal Injury Protection (PIP) coverage and $10,000 in Property Damage Liability (PDL) insurance. [You must have these two types of coverage](https://www.lawfran.com/car-accident-lawyers/florida-auto-insurance-requirements/) through an insurance company licensed in Florida. ### Personal Injury Protection Insurance [Personal Injury Protection](https://www.lawfran.com/car-accident-lawyers/what-is-personal-injury-protection-insurance/) (PIP) pays for your medical expenses and lost wages if you’re injured in a car accident up to a certain amount, regardless of who is at fault. [PIP](https://www.lawfran.com/blog/2022/05/florida-pip-insurance-limits-making-a-claim-to-only-14-days/) is sometimes called “[no-fault](https://www.lawfran.com/car-accident-lawyers/is-florida-a-no-fault-state/)” coverage because it kicks in no matter who caused the accident. PIP pays for the following: - Medical costs up to $10,000 (including all medical services such as ambulatory services, hospitalization, rehabilitation, and prosthetics) - Death benefits and funeral expenses (up to $5000) - Lost wages - Replacement services (childcare, housekeeping, and yard work) - Other necessary expenses (mileage to and from medical appointments) ### Property Damage Liability Insurance [Property Damage Liability](https://www.lawfran.com/car-accident-lawyers/property-damage-liability-insurance/) (PDL) pays for damage you cause to another person’s property in a car accident. This could include their motor vehicles, home, or other property like a fence or lamp post. ## Florida’s Penalties for Driving Without Proof of Insurance [Driving without the minimum required insurance](https://www.lawfran.com/car-accident-lawyers/can-you-drive-a-car-without-insurance-in-florida/) in Florida is a non-criminal traffic infraction. That means you won’t go to jail if you’re caught, but you will be fined. The fine for driving without proof of insurance in Florida is $150 for the first offense and $250 for the second, and $500 for each subsequent offense. If you’re caught driving without insurance, you may also have your license suspended for up to three years. And if you cause an accident while driving without insurance, you could be sued for damages. If the other driver is injured and their car is damaged, [you could be on the hook for thousands of dollars](https://www.lawfran.com/blog/2024/01/the-costs-of-not-having-car-insurance/). ## Do Florida’s Minimum Requirements Provide Enough Coverage? Most likely, no. Florida’s minimum requirements are just that. Minimum requirements. If your damages exceed your limits, you may have to pay out-of-pocket for certain expenses. ## Additional Auto Insurance Options in Florida There are a few additional auto insurance options that Florida drivers may want to consider adding to their policy, including: ### Collision Coverage [Collision insurance](https://www.lawfran.com/car-accident-lawyers/collision-insurance/) pays for damage to your car if you’re in an accident. It will help pay to repair or replace your vehicle if it’s damaged in a collision with another vehicle or object, or if you roll over. ### Comprehensive Coverage [Comprehensive coverage](https://www.lawfran.com/car-accident-lawyers/what-is-comprehensive-insurance/) pays for damage to your car that is not caused by a collision. This could include damage from fire, theft, vandalism, or natural disasters. ### Uninsured/Underinsured Motorist Coverage Uninsured motorist/Underinsured [(UM/UIM)](https://www.lawfran.com/car-accident-lawyers/underinsured-uninsured-motorists/) coverage protects you if you’re in an accident with a driver who doesn’t have insurance or enough insurance. If an uninsured or underinsured driver hits you, [this coverage will help pay](https://www.lawfran.com/car-accident-lawyers/do-you-need-uninsured-motorist-coverage/) for your medical expenses, medical bills, and lost wages up to your policy limit. ### Bodily Injury Liability Coverage [Bodily injury liability coverage](https://www.lawfran.com/car-accident-lawyers/bodily-injury-liability-coverage/) pays for the medical expenses for those involved in an accident that you caused. It will also help cover legal fees, if the injured party sues you. ### Medical Payments Coverage [Medical payments coverage](https://www.lawfran.com/car-accident-lawyers/medical-payments-coverage-medpay/) pays towards your medical expenses if you’re in an accident. ### Rental Car Reimbursement [Rental car reimbursement](https://www.lawfran.com/blog/2022/05/what-about-my-rental-car/) pays for a rental car while your car is being repaired after an accident. ### Towing and Labor Coverage Towing and labor coverage pay for towing and labor costs if your car breaks down or needs to be towed. ### Roadside Assistance Coverage [Roadside assistance coverage](https://www.lawfran.com/car-accident-lawyers/roadside-assistance-insurance/) provides help if you have a flat tire, run out of gas, or need a tow. ## Contact a Car Accident Attorney At The Fran Haasch Law Group, we are committed to fighting for your fair recovery. We strive to help injured individuals and the loved ones of those wrongfully killed secure the full, fair recovery they are owed. We offer dedicated legal representation for [car accident](https://www.lawfran.com/car-accident-lawyers/) victims and bicycle, [Uber](https://www.lawfran.com/car-accident-lawyers/uber-accident-lawyer/) and [Lyft](https://www.lawfran.com/car-accident-lawyers/lyft-accident-lawyer/), and semi-truck accident victims. If you feel you have been the victim of a car accident through no fault of your own. Our attorneys are prepared to help you navigate the legal process and work toward securing the [maximum compensation](https://www.lawfran.com/car-accident-lawyers/car-accident-compensation-in-florida/) you are owed. Call (727) 784-8191 or[ contact us online](https://www.lawfran.com/contact-us/) to get started on receiving maximum compensation for your personal injury case. INJURED IN FLORIDA? The Fran Haasch Law Group Is Here for You. Whether you’ve been hurt in a [motorcycle crash](https://www.lawfran.com/motorcycle-accident-lawyers/), [car accident](https://www.lawfran.com/car-accident-lawyers/), [truck collision](https://www.lawfran.com/truck-accident-lawyers/), or another serious incident, you deserve strong legal representation. Our experienced Florida [personal injury attorneys](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) will fight to protect your rights and help you recover the compensation you need. Schedule Your Free Consultation Share this page Find an Office Near You Our Car Accident Locations At Fran Haasch Law Group Accident & Injury Lawyers, we’re proud to serve clients throughout the greater Tampa Bay area and beyond. With multiple offices across the region, our team is dedicated to making it easy for you to access experienced legal help close to home. Select a location below to learn more about the services available near you. Meet Our Attorneys ## Francoise M. Haasch Founding Attorney Over 20 Years Experience Personal Injury Car Accidents Motorcycle Accidents Lifetime Member Known for extensive trial experience and consistent client advocacy across complex injury cases. Meet Francoise M. Haasch ## Joshua R. Lipton Managing Attorney Over 20 Years Experience Personal Injury Car Accidents Motorcycle Accidents Recognized for consistent results and strong client advocacy in complex accident cases. Meet Joshua R. Lipton ## David R. Fuller Attorney Over 30 Years Experience Personal Injury Litigation Secured more than a dozen seven-figure settlements for clients. Meet David R. Fuller ## Allen J. Pipkins II Attorney Over 10 Years Experiece Personal Injury Wrongful Death Motorcycle Accidents Combines experience from both plaintiff-side injury firms and large insurance companies. Meet Allen J. Pipkins II ## Laura Smith Davies Attorney (Of Counsel) Almost 20 Years Experiece Personal Injury Wrongful Death Motorcycle Accidents Known for her versatile trial experience and leadership roles across multiple legal disciplines. Meet Laura Smith Davies Related Content Want to learn more about car accidents? Whether its how to prevent them or what to do once you’ve been in one, [our blog](https://www.lawfran.com/blog/) can help you gather the knowledge and information you need. Types of Car Accidents How Medical Bills Are Paid After a Car Accident in Florida Shoulder Pain After a Car Accident Chest Pain After a Car Accident Internal Bleeding From A Car Accident Shock After a Car Accident Can Whiplash Cause Dizziness Dealing with Allstate Auto Insurance Claims How Do I Get Reimbursed for Lost Wages and Medical Expenses After an Auto Accident? May 8, 2022 An auto accident can cause you to suffer serious injuries that might require medical treatment, including surgery, rehabilitation, and prescription medication. In some cases, the Read Full Post » What About My Rental Car? May 8, 2022 Was your vehicle severely damaged in an auto accident? Are you wondering who is going to pay for your rental car? If you require a Read Full Post » What Happens When Medicine Causes a Car Accident? May 8, 2022 According to the Governors Highway Safety Association, 43.6 percent of fatally injured drivers in 2016 tested positive for drugs, and over half of those drivers Read Full Post » ## Contact Us Today (727) 784-8191 Our experienced attorneys are here to help you navigate your legal rights with confidence. 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