Florida Minimum Car Accident Insurance Requirements

Posted by Guy DiMartino | Feb 06, 2013 | 0 Comments

Florida car accident lawyer, Guy S. DiMartino, DC, JD, discusses Florida minimum car insurance requirements original post at

The minimum car insurance requirements for personal vehicles are $10,000 of personal injury protection insurance and $10,000 of property damage insurance.

Personal Injury Protection Insurance

Personal Injury Protection Insurance “PIP” is also known as no-fault insurance. It provides up to $10,000 in benefits to pay for medical expenses or wage loss related to a car crash whether or not the insured is at fault for the accident. The Pip law is changing in January 2013.

Property Damage Insurance

Property damage insurance pays for the other party's damage to their vehicle or other property if the insured is at fault for the crash.

Florida's minimum insurance requirements are some of the lowest in the nation. Remember insurance has only one purpose and that is to PROTECT THE INSURED. Insurance should protect the insured if they injure somebody else in a car accident. The only way to protect yourself is to purchase enough bodily injury insurance to allow for compensation if you injure another party in an accident. Insurance should also be available to protect you if you are injured by another driver (who will most likely be uninsured or underinsured). You can protect yourself by purchasing uninsured motorist. If you are injured in a car accident and the other driver does not have bodily insurance coverage or has a low limit of bodily injury coverage, uninsured motorist coverage will be available to compensate you for your injuries.

Florida automobile accident and insurance coverage law can be complex. If you have any questions about a car accident or car insurance, don't hesitate to give me a call at (352) 267-9168 or fill out the internet consultation form on the right hand side of the screen.

About the Author

Guy DiMartino

I have loved helping people in need for almost three decades.  It has been my privilege to serve people as their pastor, chiropractor, and lawyer.  The current focus of my legal practice and life’s passion is helping the seriously injured receive complete compensation for their injuries. I am a Florida Board Certified Civil Trial Attorney. What that really means is that I am no stranger to the courtroom.  I have successfully tried and handled serious cases in state and federal courts.  My backgrounds in both law and chiropractic medicine have given me a unique perspective, extensive knowledge, and wide experience to serve those I represent. For years as a chiropractic physician, I treated my patients to alleviate their pain and suffering. Now as their lawyer, I fight to bring them financial compensation for their pain and suffering. During my years of service, I have handled many traumatic injury cases ranging from the traumatic amputation of a limb to brain and spinal cord injury.  I consider it an honor to serve you and your family. When a person entrusts me and I accept to represent them, I don’t take that relationship and responsibility lightly. My approach is that we work as a team. We are partners and our goal is the best outcome for you and your family with the highest level of communication throughout. I am always available by phone or email to discuss my potential representation of your injury case. I handle cases throughout Florida. Education: National University of Health Sciences – BS (1984), DC (1986) Valparaiso University School of Law – JD, summa cum laude (1999) Bar Admissions: Florida (2000), Indiana (1999), Illinois (2000, expired); US District Courts of Appeals (11th Circuit, 7th Circuit); United States District Courts: Southern and Middle Districts of Florida; Northern and Southern Districts of Indiana; Northern and Central Districts of Illinois; and District of Colorado. Certification:  Civil Trial, Florida Bar Guy DiMartino on Google+ – Circle Guy on Google+ Guy DiMartino on Google+


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