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What Is Florida Minimum Insurance Car Coverage

If you have a car, it’s important to make sure you are adequately covered in the event of an accident. Unfortunately, not all accidents happen in states with no-fault insurance systems. In Florida, for example, most accidents are under the coverage of minimum insurance requirements. Minimum insurance requirements vary from state to state, but they always involve some minimum level of coverage. This means that even if you don’t have enough insurance on your own, you may be able to get coverage through your vehicle’s owner. This is important information for anyone who owns a car in Florida or any other state with minimum insurance requirements. Make sure to consult with a qualified professional regarding your specific needs.

What is Minimum Insurance Car Coverage?

Minimum car insurance coverage in Florida is $50,000 per person and $100,000 per accident. This coverage will pay for the first Bodily Injury Liability limit of $50,000 and the first Property Damage Liability limit of $100,000. If you were hit by another driver who didn’t have a minimum car insurance policy, your damages may be covered at only 50% of the amounts above.

How to Get a Florida Minimum Insurance Car Coverage Policy?

Minimum car insurance policies in Florida are required for all drivers. The minimum amount of coverage depends on your age and the type of vehicle you drive. Here’s a look at the minimal requirements:

You must have liability insurance that covers you when you’re involved in an accident. This includes property damage, bodily injury, and death claims.

Your policy must have at least $25,000 in personal injury protection (PIP) coverage per person, per accident.

The policy must also have $50,000 in total liability coverage per accident. This means that if you get hit by someone else and they sue you, your policy will cover your costs up to $50,000.

You can find more information on what’s covered under Florida minimum insurance policies on the state Department of Highway Safety and Motor Vehicles website.

What Are the Benefits of Having a Florida Minimum Insurance Car Coverage Policy?

If you’re driving a car in Florida, it’s important to have minimum insurance coverage. This protects you and your passengers in the event of an accident. Here are some of the benefits of having a Florida minimum insurance policy:

It could help pay for damages you cause.

It could help pay for medical expenses for people involved in the accident.

It could help pay for lost wages if you’re injured in the accident.

This type of policy is not mandatory, but it’s a good idea to have it if you’re planning on driving in Florida. You can find more information about minimum insurance policies at your local insurance agent or online.


If you’re planning on driving in Florida, it’s important to be aware of the state’s minimum insurance requirements. These minimums vary depending on the type of car you’re driving, but generally speaking, all cars must have liability insurance coverage that meets or exceeds $25,000 per person and $50,000 per accident. If you don’t have the required coverage, you could face fines from the state. So whether you’re heading to Florida for a vacation or just plan on getting around town, it’s important to know what your minimum insurance requirements are.

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