Residents of the state of Florida residing for more than three months are required to have personal injury protection and property damage liability. Drivers who have been committed of negligent driving in the past may also be required to purchase bodily injury liability. This plan is provided to add extra protection to those who have been found guilty of reckless driving. Not only does it provide protection for the driver, but the victim of an accident by this negligent will be able to recover funds to pay for injury expenses. Failure to have each of these policies will result in a suspension of driving privileges with the possibility of having the registration suspended for up to three years. Fines to those operating a motor vehicle without adequate proof of financial responsibility will be subject to fines from $150 to $500. Upon providing valid insurance, a motorist will regain driving privileges. Drivers must supply an insurance card during routine traffic stops and at the scene of accidents.

Personal Injury Protection
The personal injury protection policy must reflect a minimum of $10,000. This amount covers the insured driver’s expenses accrued as a result of an accident no matter which driver is at fault. This expense can include but is not limited to hospital, medical or funeral fees. Costs will be covered for the driver and any other passenger within the insured individual’s vehicle. An additional benefit to carrying a personal injury protection plan is the coverage one receives if he or she is struck by a vehicle as a pedestrian or bicyclist.

Property Damage Liability
Under this plan, the victim of an insured individual’s negligence will receive monies for property damage repair. The coverage will also be supplied to a victim as a result of the insured individual’s family member’s fault. The minimum requirement for this plan is $10,000. If a driver or his or her dependents strike an object other than another vehicle, the property damage liability plan will also be responsible for the expense.

Bodily Injury Liability
If a driver is required to purchase bodily injury liability coverage because of a faulty driving record, he or she will be required to carry a minimum of a $10,000 plan. This policy covers the expense to another individual if he or she experiences a serious injury or death as a result of the insured individual’s accident. Any driver operating the insured individual’s motor vehicle will be covered by this plan. Victims can recover up to $10,000 and the insurance company will provide legal representation if a lawsuit is pursued by the victim.

No Fault Law
Florida employs the No Fault Law that quickly provides compensation to injured individuals no matter who is at fault. This law supplies coverage for medical costs, a loss in income and funeral expenses. The purpose of this law is to limit the right to sue another driver for pain and suffering fees.

Uninsured/Underinsured Motorist Coverage
Florida has been known to have the highest percentage of uninsured drivers operating on public roadways. Because Florida does not require all drivers to carry insurance plans that cover the costs of another individual’s medical costs, drivers should purchase a policy that does. Although Florida employs a No Fault Law that is suppose to limit individuals from suing another after a collision, this is not a guarantee. Negligent drivers found guilty without protection from the No Fault Law could find their assets at stake if they can not afford the drastic out of pocket costs accumulated by the victim. If an individual is struck by an uninsured driver and injury costs exceed the $10,000 personal injury protection, the victim may be responsible for the overages.

Electing this coverage will protect the driver and all passengers in the victim’s motor vehicle. If an individual with uninsured motorist coverage is a passenger of another vehicle struck by an uninsured motorist, he or she can still benefit from the insurance. He or she will also benefit in the event that a driver collides with him or her as a pedestrian or if the faulty driver is unknown.

Proper uninsured motorist coverage should consider the amount of vehicles a driver has insured. For instance, if an individual insures one car for $50,000 and he or she has two motor vehicles, their policy should reflect a $100,000 uninsured motorist plan.