How does auto insurance work in Florida?

All drivers in the state of Florida are required to have auto insurance. It is illegal to drive a car without adequate insurance coverage. DHSMV or the Department of Highway Safety and Motor Vehicles in Florida has well-defined laws regulating auto coverage. Drivers should have their insurance identification card with them at all times, especially if anyone is pulled over for some reason.

There are two state-specific laws that you should be familiar with. Florida has a No-Fault law and a Financial Responsibility law. These two laws have serious implications on how auto insurance in Florida works. The No-Fault law means the coverage assured by the insurance policy of an individual should pay for the medical expenses and other damages caused due to an accident and this is regardless of whose fault it was in the first place. This law does not mean those who cause accidents have no penalties to bear. If you have been in an accident due to the fault of someone else, then you can, by all means, take legal action. The driver at fault will be penalized. There will be points against the license, their insurance cost will shoot up and there can be other financial penalties. There are punitive damages and criminal prosecutions in case of negligence and other serious faults.

The no-fault provision simply means that an individual can use their own coverage assured by the insurer as per the policy to pay for any damage or personal injury. The other law states that drivers with past records of being at fault for accidents should have full liability coverage. Their auto insurance in Florida here, should not just meet the minimum coverage requirement. The minimum coverage requirement in the state is often insufficient to pay for actual damages and cost of medical care for serious personal injury.

The minimum coverage for auto insurance in Florida according to is ten thousand dollars per person and twenty thousand dollars per accident. This is bodily injury coverage. The coverage for property damage is separate and it is also ten thousand dollars per accident. There should be coverage for uninsured motorists. This is ten thousand per person and twenty thousand per accident. Additionally, there should be protection against personal injury worth ten thousand dollars. The basic coverage should tick all these check boxes. There are special provisions in the law for teenage drivers in Florida, applicable from the age of fifteen up to eighteen.