The state of Florida requires every vehicle with four or more wheels maintain Florida Auto Insurance coverage. When you register your vehicle you must have proof of Florida coverage. The minimum requirement is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL).
If you have been in a crash or convicted of certain offenses, the Florida DMV can request you purchase additional auto insurance coverage such as bodily injury liability coverage (BIL).
It is important to shop around for the best rates for Florida Auto Insurance. There are many online resources that will provide free quotes that have licensed Florida insurer policies and are approved by the Florida DMV.
In addition to PIP (Personal Injury Protection), PDL (Property Damage Liability), and BIL (Bodily Injury Liability) insurance coverage, Florida auto insurance companies offer optional coverages such as Collision, Comprehensive, and Uninsured Motorist Coverage.
The insurance rates are based on many factors including your driving record, your age, where you live, and the kind of car you drive. If your drivers license is in good status you will be eligible for better rates and if you live in a busy city your insurance rates will be higher than smaller less congested towns. Auto insurance providers do not figure their rates the same way so you will receive different rates for the same driver.
PIP or Personal Injury Protection insurance covers your injury-related expenses regardless of who was at fault in the accident. Covered benefits include some compensation for necessary medical expenses, lost wages, lost services, and funeral expenses.
BIL or Bodily Injury Liability insurance is required for certain drivers. Drivers with previous accidents or violations may be required to carry this type of coverage. This coverage helps pay for serious or permanent injury or death to others when you cause a crash with your automobile. Bodily injury liability (BIL) carries a minimum of 10/20. This means the insurance company will pay out $10,000 per person for injuries you cause to the other party but not more than $20,000 total.