Clear Matters of Florida Auto Insurance Law

Article by Groshan Fabiola

Florida auto insurance law is very clear – if you are on the road you have to be insured. There are different types of insurance you can have though, including comprehensive coverage, bodily injury liability coverage, uninsured motorist coverage and coverage that protects against property damage, fire, theft and floods. The minimum amount of auto insurance coverage that you must have to legally drive in Florida is 10,000 of property damage liability coverage per accident and 10,000 of personal injury protection. The Florida auto insurance law requires that you have personal injury protection so you can pay someone who makes a claim against you if they are hurt in an accident that you caused due to negligence. As any West Palm Beach lawyer will tell you, it is a serious matter and you should not think twice about paying for the coverage. Without this type of insurance you could be sued and have your assets stripped away in the unfortunate incident of a car accident. Not all insurance coverage will include this type of protection, so it is important to make sure that it is included when purchasing a policy. Another important type of auto insurance in Florida is uninsured motorist coverage, which will compensate you if you are injured in an auto accident that someone else who does not have car insurance negligently caused. If you do not have bodily injury liability, then you cannot purchase uninsured motorist coverage. This is also a very important type of coverage to purchase, although it is not required, because you could be left paying for hundreds of thousands of dollars worth of medical bills that someone else should be paying for. You can always try to sue the other party for damages, but if they do not have the money then it could be years before you see any compensation, if ever. One thing is clear when it comes to Florida auto insurance law – you simply can’t drive without coverage.