Apr 16

Are Florida Car Insurance Requirements Dramatically Changing?


Florida car insurance and the importance of uninsured motorist coverageThe requirements of Florida car insurance may look totally different come January 1, 2022 if the Florida Senate gets its way.

Those who have read my blogs for the years know that I am a big advocate for mandatory bodily injury coverage in Florida. Right now, owners and drivers are not automatically required to purchase bodily injury liability insurance to protect those they injure a in car accident because of their negligence. A bill just passed by the Florida Senate, Senate Bill 54, would change that.

Under the bill, bodily injury liability coverage would be required in all Florida car insurance policies. Every motorist would be required to carry bodily injury coverage of a minimum of $25,000 per person and $50,000 per accident. In addition, the new bill would eliminate personal injury protection coverage but require medical payment coverage at a minimum of $5,000.00.

In Florida, about one in five drivers are uninsured and even more have very little bodily injury liability coverage leaving many good drivers and passengers suffering when they are injured due to the negligence of one of these drivers. This bill will better help those innocent injured people than what we currently have.

Now, don’t get me wrong. Underinsured motorist coverage will still be needed on your Florida car insurance policy. Although $25,000 is better than zero bodily injury liability coverage, a few hours, much less a few days, in the emergency room can easily result in a bill greater than $25,000.00.

The bill has to be approved by the Florida House and then signed by the Governor. However, this is a good step in protecting those who get injured due to the negligence of those who may not carry adequate Florida car insurance coverage. Stay tuned to upcoming blog articles on the progress of this bill.

Drive safely and watch out for those who don’t!


Attorneys Matthew Noyes & Lorrie Robinson know about Florida car insuranceAttorneys Matthew Noyes and Lorrie Robinson help families who are impacted by a Tampa Bay car accident. Attorney Matthew Noyes even wrote a book on it – Do You Really Need An Attorney After a Car Accident. If you have questions after a car accident, call Personal Injury Attorney Matthew Noyes at 727-796-8282 or simply click here to schedule a free case consultation.

No comments yet.

Leave a Comment

reset all fields