Frequently Asked Questions

What is the minimum of coverage required for car insurance in Florida?: Florida law requires residents to carry a minimum of $10,000 of property damage liability (PDL)
and $10,000 of personal injury protection (PIP) if they own a motor vehicle in Florida.
I’m visiting Florida, what type of car insurance do I need insurance?: Any part-time or seasonal individual living in Florida for at least 90 days/year is required to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) Insurance - even if the 90 days are not consecutive.
What type of insurance coverage do I need if I ride a Motorcycle?: Insurance companies do not offer Personal Injury Protection (PIP) for motorcycle owners. However, you may buy any other type of insurance coverage, including medical payments. Recent changes in Florida law allow motorcycle drivers 21 and older to operate or ride a motorcycle without wearing protective headgear as long as they have at lease $10,000 in appropriate health insurance.