Driving Records Direct

Auto Insurance

Required Coverage

In Florida, you must carry:

  • a minimum of $10,000 of personal injury protection (PIP).
  • $10,000 of property damage liability.

PIP covers you in an accident regardless of fault. The usual coverage amount is $10,000. PIP pays:

  • 80 percent of reasonable medical expenses.
  • 60 percent of lost wages.
  • all reasonable expenses for replacement services such as child care, housework and yard cleaning.
  • a $5,000 death benefit.

Property damage liability:

  • pays for damage to property owned by others caused by you or the driver of your vehicle.
  • covers property such as fences, utility poles, buildings, automobiles, or any other property of value.

Bodily injury liability:

  • is not mandated by Florida law unless you have demonstrated financial irresponsibility following a previous accident.
  • is strongly recommended.
  • has minimum coverage limits of $10,000 per person and $20,000 per occurrence, but higher limits should be considered.

Factors That Affect Premiums

Insurance companies use a variety of factors to determine a policyholder's likelihood of experiencing an accident or loss. Such factors include:

  • driving history
  • type of vehicle (including model, year and value)
  • territory (where you keep and drive the vehicle, road conditions, the number of accidents in that area, etc.)
  • usage (your annual mileage and whether you use the vehicle for pleasure, commuting to work, or for business or commercial use)
  • gender
  • age
  • credit history

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