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I am registering a vehicle for
the first time in Florida. Is automobile insurance mandatory? Yes.
If you own a vehicle with at least four wheels and are registering
it, you must have Florida insurance.
What type of insurance is required to purchase and maintain a
Florida tag and registration? Florida's minimum coverage is
$10,000 personal injury protection (PIP) and $10,000 property damage
liability (PDL) as long as you have a valid Florida tag, even if the
vehicle is in another state or inoperative. There are no exemptions
in the law. However, if you have been involved in a crash, or been
convicted of certain offences, you may be required to purchase
bodily injury liability coverage (BIL).
What is " Bodily Injury Liability" (BIL) insurance? Bodily
Injury Liability coverage pays for serious and permanent injury or
death to others when you cause a crash involving your
automobile. Your insurance company will pay for injuries up to the
limits of your policy and provide legal representation for you if
you get sued. In particular, your company pays for injuries caused
by you or members of your family who live with you, even if they
were driving someone else's vehicle. It may also cover others who
drive your automobile with your permission. This coverage also
provides you with legal defence in the event you are sued by the
injured party.
What is meant by "Florida Coverage"? Florida coverage
is an insurance policy delivered or issued for delivery in Florida
by an insurance company licensed by the Florida Department of
Insurance.
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