--- description: Like some states, Florida requires drivers to carry personal injury protection insurance and property damage liability insurance. title: Florida Auto Insurance Requirements | Fran Haasch Law Group --- Florida Auto Insurance Requirements | Fran Haasch Law Group [Home](https://www.lawfran.com/) » [Car Accident Lawyers](https://www.lawfran.com/car-accident-lawyers/) » Florida Auto Insurance Requirements # Florida Auto Insurance Requirements Last Updated: October 16, 2025 Reading Time: 5 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. 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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, it’s important to be aware of its auto insurance requirements. Like some states, [Florida requires drivers](https://www.lawfran.com/car-accident-lawyers/do-you-need-car-insurance-in-florida/) to carry personal injury protection insurance and property damage liability insurance. In addition, there are several other types of coverage that are recommended or required by law. Contact The Fran Haasch Law Group today for a free case evaluation if you feel you have been the [victim of a car accident](https://www.lawfran.com/car-accident-lawyers/) through no fault of your own and have questions about what is covered under your policies. ## Florida Car Insurance Laws Florida drivers must have two types of minimum coverage car insurance options: ### Personal Injury Protection Insurance (PIP) Floridians must have at least $10,000 of [personal injury protection](https://www.lawfran.com/car-accident-lawyers/what-is-personal-injury-protection-insurance/) (PIP) coverage to cover 80% of their medical bills and 60% of lost wages if they are hurt in an accident. This will also cover up to $5,000 in death benefits regardless of who was at fault for the crash. [PIP](https://www.lawfran.com/blog/2022/05/florida-pip-insurance-limits-making-a-claim-to-only-14-days/) will pay for: - [Medical expenses](https://www.lawfran.com/blog/2022/05/im-receiving-medical-bills-in-the-mail-what-should-i-do-with-them/) (including all medical services such as ambulatory services, hospitalization, rehabilitation, and prosthetics) - [Lost wages](https://www.lawfran.com/blog/2022/05/how-do-i-get-reimbursed-for-lost-wages-and-medical-expenses-after-an-auto-accident/) - Other necessary expenses (mileage to and from medical appointments) ### Property Damage Liability Insurance (PDL) You must carry at least $10,000 in [PDL coverage](https://www.lawfran.com/car-accident-lawyers/property-damage-liability-insurance/) to protect you if you damage someone else’s property in an accident. This coverage may include damage to another vehicle, fence, tree, mailbox, road sign, or building. ## Are Florida’s Requirements Considered Full Coverage? No, minimum [car insurance in Florida](https://www.lawfran.com/car-accident-lawyers/what-is-full-coverage-auto-insurance-in-florida/) offers drivers the lowest protection required by the law to obtain a driver’s license. If you want more car insurance coverage, your best option may be to add on additional coverages to supplement your current policy. ## Other Auto Insurance Coverage Options Adding these coverages to your policy may [increase your car insurance premiums](https://www.lawfran.com/car-accident-lawyers/why-is-car-insurance-so-expensive/). However, they are beneficial in limiting your out-of-pocket costs in the event of an accident. ### Bodily Injury Liability Coverage [Bodily Injury Liability Coverage](https://www.lawfran.com/car-accident-lawyers/bodily-injury-liability-coverage/) helps pay for medical expenses and lost wages if you’re responsible for injuring someone else in a motor vehicle accident. ### Uninsured/Underinsured Motorist Coverage **Florida does not require drivers** to carry [uninsured/underinsured](https://www.lawfran.com/car-accident-lawyers/underinsured-uninsured-motorists/) Motorist Coverage, [but it is recommended](https://www.lawfran.com/car-accident-lawyers/underinsured-uninsured-motorists/). This type of coverage protects you if you’re involved in an accident with a driver who is underinsured or has no insurance at all. ### Collision Insurance Coverage [Collision Coverage](https://www.lawfran.com/car-accident-lawyers/collision-insurance/) helps pay to repair or replace your vehicle if damaged in an accident. ### Comprehensive Insurance Coverage [Comprehensive Coverage](https://www.lawfran.com/car-accident-lawyers/what-is-comprehensive-insurance/) helps pay to repair or replace your vehicle if it’s damaged by a covered event like theft or vandalism. ### Medical Payment Coverage or Medpay Most auto insurance providers offer an additional coverage option for your medical expenses if you’re injured in a car accident. [Medpay](https://www.lawfran.com/car-accident-lawyers/medical-payments-coverage-medpay/) is often used to supplement health insurance or PIP coverage. ## Can I Sue For Damages After a Car Accident in Florida? Yes. [You can sue for damages](https://www.lawfran.com/car-accident-lawyers/suing-after-a-car-accident-in-florida/) if you’ve been injured in a car accident in Florida. However, it’s important to note that [Florida is a no-fault state](https://www.lawfran.com/car-accident-lawyers/is-florida-a-no-fault-state/). This means that your own insurance company will pay for your medical expenses and lost wages, regardless of who is at fault for the accident. You can only sue if your injuries meet a certain threshold in which: - Your damages exceed the limit of your PIP coverage, or - You suffered permanent injury ## What Should I Do After a Car Accident in Florida? If you’ve [been involved in a car accident](https://www.lawfran.com/car-accident-lawyers/what-to-do-after-accident/) in Florida, you should [first call the police](https://www.lawfran.com/car-accident-lawyers/why-you-should-file-a-police-report/). Once the police have arrived and [filed an accident report](https://www.lawfran.com/car-accident-lawyers/how-do-i-look-up-an-accident-report-in-florida/), you should exchange information with the other driver. This includes your name, contact information, insurance company, and policy number. You should also take pictures of the accident scene and any damages to your vehicle. If there are any witnesses, you should get their contact information. If you’ve been injured in the accident, you should [seek medical attention](https://www.lawfran.com/car-accident-lawyers/should-i-see-a-doctor-after-an-accident/) as soon as possible. Once you’ve received treatment, you should [notify your insurance company](https://www.lawfran.com/blog/2018/12/what-happens-when-you-make-a-claim-after-a-car-accident/) about the accident. ## Should I Hire a Lawyer After a Car Accident in Florida? If you’ve been injured in a car accident, you may want to [hire a lawyer](https://www.lawfran.com/car-accident-lawyers/should-i-get-a-lawyer/). A lawyer can help you [navigate the legal process](https://www.lawfran.com/personal-injury-claim-process-in-florida/) and ensure that your rights are protected. You may also want to hire a lawyer if the other driver was at fault for the accident and you’re having trouble getting the insurance company to pay for your damages. If you’ve been involved in a car accident, contact an experienced car accident lawyer in Florida to discuss your legal options. ## What is the Statute of Limitations for Filing a Car Accident Lawsuit in Florida? The [statute of limitations](https://www.lawfran.com/florida-personal-injury-statute-of-limitations/) for settling a claim or filing a car accident lawsuit in Florida is [two years from the accident date](https://www.lawfran.com/car-accident-lawyers/how-long-after-an-accident-can-you-file-a-claim-in-florida/). ### What The Fran Haasch Law Group Can Do For You At The Fran Haasch Law Group, we focus on helping you and your family recover. We pursue personal injury lawsuits and [wrongful death](https://www.lawfran.com/wrongful-death-attorneys/) claims to obtain full compensation for damages such as pain and suffering, medical expenses, lost earnings, property damage, and more. With over 25 years of experience, we draw on constant legal and medical research to help clients recover after being injured in auto accidents in Tampa Bay and the surrounding areas. Founding personal injury attorney, Fran Haasch, is a lifetime member of the Multimillion Dollar Advocates Forum and a member of the American Association for Justice, the Florida Justice Association, and the Tampa Bay Trial Lawyers Association. Our attorneys are skilled and experienced litigators. We are not afraid to take your lawsuit to trial if necessary. No matter how complicated your case, our firm is here to help you navigate the legal process from start to finish. ## Contact a Car Accident Attorney After being in a car accident, one of the first things you should do is call a car accident lawyer. With their guidance, you will better understand your rights and remedies. In case two weeks have already passed since your accident, your lawyer will be able to help you figure out the best next step. The Fran Haasch Law Group and our [personal injury attorneys](https://www.lawfran.com/) are standing by to help car accident victims in Clearwater, Florida, and the Greater Tampa Bay region. We offer free case evaluations to inquiring clients. Our[ case results](https://www.lawfran.com/case-results/) speak for themselves, but if you would like to know more about our legal services, please feel free to 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? 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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. URLThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email Phone(Required)Are You a New Client?Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither.Case Details(Required)Communication Consent I consent to receive calls and emails from Fran Haasch Law Group Accident & Injury Lawyers, including via automated technology, AI-assisted systems, and prerecorded messages, regarding my inquiry and related legal services. Consent is not a condition of services. 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