| FL Car Insurance: Recommended Coverages Currently in Florida, you must make many decisions in order to purchase car insurance. First, you must choose to carry a Tort option on your policy. Find out the differences between Limited Tort and Full Tort.
In addition to selecting a Tort option, there are only three other required PA car insurance coverages: Bodily Injury Liability , Property Damage Liability , and Medical Expense Benefits . Of these coverages, only Medical Expense Benefits actually pays out money to you and your family if you, or someone covered by your policy, are injured in an accident. The other two required coverages pay money to the other driver or to the other person injured because you wer at fault for the accident.
The chart below shows the minimum required PA car insurance coverage compared to what our law firm recommends for minimum car insurance coverage. Our recommendations provide coverage that protects you and those covered under your insurance policy.
Florida Car Insurance Coverage Options |
Options |
Minimum Required |
Minimum Recommended |
Bodily Injury Liability |
$15,000 per person
$30,000 per occurrence |
$100,000 per person
$300,000 per occurrence |
Medical Expense Benefit |
$5,000 |
$10,000 |
Property Damage Liability |
Required |
Required |
Income Loss |
Not Required |
$1,000 per month
$5,000 in total coverage |
Uninsured Motorist |
Not Required |
$100,000 per person
$300,000 per occurrence |
Underinsured Motorist |
Not Required |
$100,000 per person
$300,000 per occurrence |
Stacking of Limits for Uninsured/Underinsured Motorist |
Not Required |
Choosing stacking is essential to maximizing your family's protection:
$100,000 x the number of vehicles in the household |
Funeral Benefit |
Not Required |
$1,500 |
By choosing our recommended coverages, you now have more coverage to benefit you and your family - 7 out of our 9 recommended coverages pay money to you in the event of an accident.
Purchasing only the minimum auto insurance coverages required by Florida law may save you a few dollars on your policy payment; but it could cost you thousands of dollars in terms of lost money if you, or someone covered by your insurance policy, are ever injured in an auto accident.
We know that automobile insurance coverage can be a financial burden for many households; however, if you are able to carry even higher amounts of insurance coverage than the minimums we recommend, we suggest that you do. You can change your insurance coverage options at any time. You don't have to wait until you renew your policy to change your chosen options. Read more about changing coverage on your Florida auto insurance policy. Read more about florida car insurance.
Read the auto accident checklist.
Read about vehicle crash safety florida.
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Car insurance in Florida.
Personal Injury Attorney Robert J. Fenstersheib handles accident cases, personal injury lawsuits, breast implant settlements, slip and fall lawsuits in the following South Florida cities: |
Broward County |
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- Coconut Creek
- Cooper City
- Coral Springs
- Dania Beach
- Davie
- Deerfield Beach
- Fort Lauderdale
- Hallandale Beach
- Hillsboro Beach
- Hollywood
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- Lauderdale Lakes
- Lauderdale-By-The-Sea
- Lauderhill
- Lighthouse Point
- Margate
- Miramar
- North Lauderdale
- Oakland Park
- Parkland
- Pembroke Park
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- Pembroke Pines
- Plantation
- Pompano Beach
- Port Everglades
- Sea Ranch Lakes
- Southwest Ranches
- Sunrise
- Tamarac
- Weston
- Wilton Manors
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Dade County |
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- Aventura
- Bal Harbour
- Bay Harbor Islands
- Biscayne Park
- Coral Gables
- Doral
- El Portal
- Florida City
- Golden Beach
- Hialeah
- Hialeah Gardens
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- Homestead
- Indian Creek Village
- Islandia
- Key Biscayne
- Medley
- Miami
- Miami Beach
- Miami Gardens
- Miami Shores Village
- Miami Springs
- North Bay Village
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- North Miami
- North Miami Beach
- Opa-Locka
- Pinecrest
- South Miami
- Sunny Isles Beach
- Surfside
- Sweetwater
- Virginia Gardens
- West Miami
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