The Sunshine State follows the No-Fault law which requires motorist to carry Personal Injury Protection (PIP); this ensures that compensation is in place in the event the policyholder is injured as a result of an automobile collision regardless of who is at fault. PIP will cover the policyholders children, members of their household and passengers as long as they do not own a vehicle; in addition if the child of the insured is injured while riding in a school bus they will also be covered up to the policy limits. PIP also protects the policyholder if they are injured while riding in another person’s vehicle, as a pedestrian or bicyclist if injuries are a result of a traffic accident.
The main goal of the No Fault law is to make sure that injuries sustained after a traffic accident are covered and to help keep cases from reaching courthouses. The Florida car insurance laws require that any vehicle with at least four wheels which is to be registered have a minimum of coverage consisting of $10,000 for Personal Injury Protection and $10,000 for property damage liability; property damage liability will cover the damage caused by the insured in their vehicle to another persons property such as their automobile or fence. Failure to comply with these rules can result in the suspension of driving privileges and registration until proof of coverage is provided.
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