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Florida is a partial no fault state. The no-fault portion of your coverage relates to bodily injuries. This means in the event of an accident, each party is responsible for their own medical bills and other costs associated with the injuries sustained in the accident. Florida auto insurance laws require all drivers to carry property damage liability and personal injury protection (PIP) policies. As a driver, you must carry a minimum of $10,000 as property damage liability in Florida. Bodily injury liability (BIL) carries a liability minimum of $10,000 per person for injuries you cause to the other party, up to $20,000 total.

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