Florida is a no-fault state for car accident claims, meaning your insurance company covers certain expenses and losses related to your accident. State law requires all drivers to carry personal injury protection (PIP) insurance to cover immediate car accident costs. The state’s no-fault status does not preclude you from recovering additional compensation beyond PIP’s limitations.
If you or a loved one suffered injuries in a recent accident, our Florida car accident lawyers can help you get compensation. Our knowledge about Florida car insurance laws (2025) can guide you through financial recovery. We can also ensure you have the insurance products you need to protect yourself and your family.
Personal Injury Protection (PIP) Laws for 2025
Every registered vehicle owner in Florida is required to carry a minimum of $10,000 in PIP insurance. Each driver must also carry a minimum of $10,000 in property damage liability (PDL) coverage. You need PIP coverage as part of your auto insurance policy even if you have medical insurance.
Your PIP coverage protects you and others, including members of your household. It kicks in immediately, regardless of who was at fault for causing or contributing to the accident. If you do not have PIP insurance, you could be liable for many of the expenses PIP would cover.
PIP and PDL Cover Many Immediate Car Accident Expenses
A car accident can have an immediate financial impact by generating medical bills, damaging your car, and preventing you from earning a living due to your injuries. PIP should pay for the following:
- Medical expenses: PIP covers up to 80 percent of all necessary medical care, including reasonable costs for emergency care, hospitalization, medications, assistive devices, etc.
- Lost wages: PIP covers up to 60 percent of income loss caused by car accident injuries, including full- and part-time wages.
- Other expenses: For example, if you used to mow your lawn by yourself but now have to hire someone to do it for you, PIP will cover that cost.
- Funeral expenses: PIP provides up to $5,000 in benefits for the surviving families of fatal car accidents to cover funeral and burial expenses.
Your recoverable damages are not limited to PIP’s provisions. If you suffer catastrophic injuries, you can still pursue the at-fault driver for compensation even after receiving PIP coverage.
As a Florida driver, you should be aware that Florida’s auto insurance laws may change in 2025 or at any other time. Our car injury attorneys stay updated on all legislative changes and would be happy to explain how the latest laws and amendments affect your rights.
Optional Auto Insurance Products Available to Florida Drivers
According to Insurance Information Institute (III) research, Florida was one of several states that saw a recent increase in uninsured drivers. That makes insurance products like uninsured motorist (UM) and underinsured motorist (UIM) coverage important options.
UM and UIM coverage pay all the expenses you would have been able to recover if the driver who caused your accident had been insured.
Exceptions to the State’s Minimum Insurance Laws for 2025
Florida Highway Safety and Motor Vehicles (FLHSMV) requires a different minimum for taxi drivers. Those minimums include bodily injury liability (BIL) coverage of $125,000 per person and $250,000 per accident. It also includes PDL coverage of $50,000.
FLHSMV guidelines require drivers convicted of a DUI to carry FR-44 insurance. Its minimums include BIL coverage in the amount of $100,000 per person and $300,000 per accident, as well as $50,000 in property damage liability coverage.
How Florida Car Insurance Laws (2025) Affect Motor Vehicle Accident Claims
If you or a loved one suffers injuries, vehicle damage, or both due to another driver’s negligence, you can get compensation. A local attorney can first turn to your PIP coverage for compensation. Once the policy limitations have been reached, we can seek additional damages by filing an insurance claim, lawsuit, or both on your behalf.
State law steps in here, too, by limiting the amount of time you have to file your lawsuit to two years in most cases. The time limit is longer if the at-fault driver is uninsured. The statutory clock starts running at different times for injury and fatal car accident claims. Our legal team can help you interpret and comply with the mandatory statute of limitations.
Damages You Can Recover for 2025 Car Accident Claims in Florida
Compensation for a car accident claim includes economic and non-economic damages. To ensure your claim is not underpaid and no avenues for compensation get overlooked, our Florida auto accident attorneys can pursue the following damages:
- Past and future medical bills
- Past and future lost wages
- Property damage or loss
- Disability and disfigurement
- Physical pain and suffering
- Mental and emotional trauma
- Loss of enjoyment of life
Families who lose a loved one in a fatal accident can recover wrongful death damages, including funeral and burial costs, loss of income and domestic support, and loss of consortium and care.
A Car Accident Attorney Can Help You Get Fair and Appropriate Compensation
When our lawyers represent you after an accident, we deal with all the hard work involved in your claim. We can take the burden of the financial recovery process off your shoulders. Our car accident lawyers can:
- Clarify all current car accident laws affecting 2025 injury claims
- Examine your policy and the at-fault driver’s policy for coverage
- Deal with all communication and paperwork related to your claim
While we handle all these details, you can focus on getting better. Plus, you get the benefit of knowing your claim will meet all current legal parameters.
Learn Everything You Need to Know About Florida Car Insurance Laws in 2025
Car insurance laws are constantly changing to meet the needs of registered vehicle owners. At GED Lawyers, we work hard to provide current information on Florida car insurance laws.
If you want clarity or recently suffered an injury or property damage in a car accident, we can help. Contact one of our consultation team members for your free claim evaluation. We are always there when clients need us.
