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Bodily Injury Liability and Property Damage Liability Insurance in Florida

 

  • Bodily Injury Liability

Bodily injury liability coverage pays for serious and permanent injuries or death to others when you cause a crash involving your automobile. What you need to be out where of is this doesn't cover YOU! It only covers the other person. There is a lot of confusion with people thinking this type of coverage will cover both parties. Your insurance agent should explain this insurance and make sure that you are very clear on how it works.

Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued. If other members of your family caused an injury accident, then your bodily injury liability coverage would also pay up to the limits of your policy to the injured party.

There is no minimum bodily injury liability coverage required in Florida. However, this type of coverage is something you definitely want to buy and include with your policy so that your personal assets are not placed at risk.

 

  • Property Damage Liability

Property damage liability coverage pays for damages you or other members of your family cause (and are liable for) to other people's property in a crash involving motor vehicle.

The minimum coverage in Florida is $10,000 for property damage liability as long as you have a valid Florida registration and license plate.


If you have been involved in an auto accident please call the qualified Sarasota accident injury attorneys at the Mallard Law Firm for a free consultation today. You can reach us at 888-409-3805 and receive answers to your legal questions simply by calling today. Also, fill out a form on our website to receive a free copy of our book What You Need to Know After a Florida Auto, Truck or Bike Accident.