The Sunshine State follows the No Fault law when it comes to automobile coverage; this means that all motorists must carry Personal Injury Protection (PIP) in the amount of $10,000 in order to keep state license plates valid and vehicles registered. States which follow the No Fault law do so to ensure that compensation is in place for injuries regardless of who is found responsible for causing the accident and also to try to reduce the amount of court cases. For instance, if an individual has been involved in a collision with an uninsured motorist, they will not need to file a lawsuit in order to receive compensation for injuries resulting from the collision (unless the limits of their policy are exceeded).
In addition to PIP, motorists must also carry Property Damage Liability (PDL) in the amount of $10,000; this will pay for property damage to a third party caused by the insured as a result of a traffic accident. This covers damages caused by the policyholder and any insured to another person’s vehicle as well as such things as fences and poles. Failure to maintain the required Florida auto insurance will result in the suspension of driving privileges, registration and license plate for up to three years or until proof of coverage is shown to the state. To have driving privileges reinstated, the motorist must pay a reinstatement fee of $150 and up to $500 for subsequent offenses; proof of a policy would need to be shown as well.
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