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Requirements and Risks in Florida
Florida requires two coverages to register a car: Personal Injury Protection, which covers your own injuries regardless of who caused the accident, and Property Damage Liability, which covers damage you cause to someone else's property. Neither one repairs your own vehicle, and neither one covers injuries you cause to other people.
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Questions from Miami Drivers
What does PIP actually cover?
Is uninsured motorist coverage worth it in Miami?
Am I covered if someone else drives my car?
Can I insure a car in Florida with a foreign driver's license?
More answers on our insurance blog.
Why a Miami premium is not a Florida premium
Two drivers with the same record and the same car can pay very different premiums depending on which side of a county line they park on. Premiums in Miami run above the Florida average, and the reasons are structural rather than personal: heavy traffic, a high share of uninsured drivers, accident patterns that insurers price for, and vehicle theft. None of that is solved by driving carefully. What you can change is which insurer holds your policy and which coverages you carry, and that is the reason to compare rather than renew out of habit.
What Florida requires you to carry
Florida is a no-fault state. That phrase confuses people who move here, so it is worth being precise: it does not mean nobody is at fault. It means your own policy covers your medical expenses first, regardless of who caused the accident.
Personal Injury Protection (PIP)
PIP covers a portion of your medical expenses and lost wages after an accident, no matter who caused it. It is the coverage that makes Florida a no-fault state, and it is required to register a vehicle here. It applies to you, not to the other driver, and it has a maximum limit.
Property Damage Liability (PDL)
PDL covers damage you cause to someone else's property: their vehicle, a fence, a storefront. It does not cover your own vehicle, and it does not cover anyone's injuries, including your own. If the vehicle is used for work rather than personal use, it needs a different policy: see coverage for a local business.
The optional coverages, and what each one is for
These are not add-ons. Each one answers a specific gap the minimum leaves open, and whether it fits depends on the vehicle, the driver, and the expenses you could not absorb out of pocket.
Uninsured and Underinsured Motorist
This covers your injuries when the driver who hit you carries no insurance or not enough of it. In a market where uninsured drivers are common, it is often the most important coverage on the policy, and the one most often dropped to save a small amount at renewal.
What it usually covers
- Usually covered: What Florida requires: PIP and property damage liability
- Usually covered: Collision and comprehensive, if you add them
- Usually covered: Liability to other drivers, if you add it
- Not covered: Driving for work may need its own policy: business insurance.
Coverage depends on the carrier and the policy you choose.