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Bodily Injury Liability (BIL) pays for injury or death to others.

Judgment occurs when an at-fault party is sued in a civil court for damages caused in a motor vehicle crash and has not satisfied property damage and/or bodily injury requirements.

Personal Injury Protection (PIP) covers you regardless of whether you are at-fault in a crash, up to the limits of your policy.

Property Damage Liability (PDL) pays for the damage to other people’s property.

Security Deposit is an amount of monies posted in lieu of obtaining a release in an at-fault crash.

SR22 an insurance filing certifying bodily injury liability (BIL) and property damage liability (PDL) to comply with the reinstatement requirements of the Florida Financial Responsibility Law

Florida
Vehicle
Insurance
Requirements

Before you register a vehicle with at least four wheels in Florida, you must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) automobile insurance. PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash. PDL coverage pays for damage to another person’s property caused by you or someone else driving your insured vehicle.

Proof of PIP/PDL coverage must be issued by an insurance company licensed in Florida to sell policies or by qualifying for a self-insurance certificate issued by FLHSMV.

Any vehicle with a current Florida registration must:

  • be insured with PIP and PDL insurance at the time of vehicle registration.
  • have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL. Vehicles registered as taxis must carry bodily injury liability (BIL) coverage of $125,000 per person, $250,000 per occurrence and $50,000 for (PDL) coverage.
  • have continuous coverage even if the vehicle is not being driven or is inoperable. Surrender the license plate/tag BEFORE cancelling your insurance.
  • purchase the policy from an insurance carrier licensed to do business in Florida. (If you are new to the state, you may ask your agent to transfer your current insurance to a Florida policy.)
  • maintain Florida insurance coverage continuously throughout the registration period regardless of the vehicle’s location.
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