| Because even the safest and most cautious drivers are vulnerable to accidents, Florida
law requires residents to carry a minimum of $10,000 of property damage liability (PDL) and $10,000 of personal injury protection (PIP) if they own a motor vehicle in Florida.
This applies to self-propelled vehicles, with four or more wheels, registered and licensed
in the state. Florida law requires you to carry the insurance continuously throughout the
licensing and registration period. Any part-time or seasonal resident living in
Florida at least 90 days each year is also required to carry PIP and PDL insurance,
even if the 90 days are not consecutive. For more information, contact the Department of
Highway Safety and Motor Vehicles Customer Service Center at (850) 617-2000.
Florida law does not require you to buy any insurance except PIP and PDL. If you finance
your car, the lender may require additional coverage, but Florida law prohibits insurance
agents and companies from requiring you to buy other coverage, even though other types
of insurance can provide added protection from risks. Any insurance you buy must be sold by a
company licensed to do business in Florida. If you use a company representative, he or she
must be licensed as an insurance agent by the State of Florida, or an agent licensed to sell insurance in Florida must countersign the coverage. |
