Florida is known for its beautiful beaches and vibrant nightlife. Unfortunately, it also has a reputation for frequent car crashes. Understanding your insurance is essential if you are driving in the Sunshine State. Knowing what Personal Injury Protection (PIP) and Property Damage Liability Insurance (PDL) are can be crucial in the event of a collision, whether it is a minor accident in Miami or something more serious in Orlando. Florida’s no-fault insurance system requires that drivers carry PIP and PDL coverage.
Florida Insurance Requirements
Florida law requires drivers to carry insurance for PIP and PDL. Each driver must have a minimum of $10,000 in coverage for both PIP and PDL. These requirements are designed to provide basic protection in the event of an automobile accident, regardless of who is at fault.
Personal Injury Protection (PIP) Insurance
PIP insurance, often called “no-fault insurance,” covers medical expenses, lost income, and death benefits. PIP coverage applies to policyholders no matter who is at fault for the accident. This insurance covers medical expenses and certain losses immediately after an accident up to your coverage amount.
Property Damage Liability (PDL) Insurance
PDL coverage pays for any damage you may cause to another person’s property in an accident. This coverage, like PIP, is mandatory. It provides a safety net that compensates other parties for property damage, regardless of fault. However, it does not cover your vehicle.
Additional Coverages
You can purchase additional coverages to protect your car, including:
- Comprehensive Coverage: This covers damage to your car caused by events such as theft, vandalism, or natural disasters.
- Collision Coverage: Pays for damages to your vehicle in the event of a collision with another vehicle.
This post was written by Okoye Morgan Jr., a lawyer with extensive knowledge of a personal injury law firm in Tampa. Okoye is one of the founding partners of The Black Law Company, specializing in personal injury law, trust and estate law, civil litigation law, and criminal defense.
The information provided on this website does not and is not intended to, constitute legal advice. All information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user, or browser; the ABA and its members do not recommend or endorse the contents of the third-party sites.
Comments