Mandatory liability car insurance will have to wait another year. The Florida legislature was close to passing a new law that would have required every car owner to carry mandatory liability car insurance and eliminate the required personal injury protection coverage, but no new changes are coming this year.
I previously blogged about a bill that would require car owners to carry bodily injury liability coverage. Right now, there is no mandatory liability car insurance. Car owners can operate their vehicles without any coverage that would compensate you if they caused a car accident and resulted in damages to you or your family. However, that bill would have also eliminated the PIP coverage (“No-Fault” coverage) that provided payment of medical bills and lost wages after a car accident.
That bill passed the Florida House of Representatives; but, according to the Sun Sentinel, a Florida Senate version would have required drivers to buy additional coverage to cover emergency medical payments for their own injuries. Ultimately, both sides could not agree so no new legislation was passed.
With the status quo of allowing car owners to operate their vehicles without mandatory liability car insurance, it remains vital that you carry uninsured/underinsured motorist coverage. This coverage protects you and your family in the event that a careless driver causes damages in a car accident. Your uninsured/underinsured motorist will stand in the shoes of this if he or she failed to carry liability car insurance.
Check your car insurance policy now – before a car accident. With Florida not requiring mandatory liability car insurance, uninsured motorist coverage is the most important coverage to purchase as it protects you and your family.
Drive safely and watch out for those who don’t!
Personal Injury Attorney Matthew Noyes represents those injured in car accidents, motorcycle crashes, bicycle accidents, pedestrian accidents and other types of personal injury matters. He is a named partner at the Tampa Bay law firm of Perenich Caulfield Avril Noyes – one of the oldest personal injury law firms in Pinellas County. Call Attorney Matthew Noyes now at 727-796-8282 or complete the form on this page or simply click here to schedule a free case consultation.