Uninsured Motorist Coverage in Florida

Florida requires every motorist on its roads to carry automobile insurance with a minimum of $10,000 for personal injury protection (PIP) and $10,000 for property damage protection. However, Florida does not require motorists to have underinsured or uninsured motorist coverage.

Yet, if an insured (non-negligent motorist) obtains uninsured motorist coverage, it permits the insured with the same recovery that the insured would have received from the negligent motorist had the negligent motorist maintained liability insurance.

Additionally, an insurer (insurance company) under a motor vehicle liability insurance policy, must offer its insured the option of obtaining uninsured motor vehicle coverage, and the limits of uninsured motor vehicle coverage offered must be no less than the limits of bodily injury liability insurance purchased by the named insured.

If the insurer has uninsured motorist coverage and is legally entitled (has a valid legal claim that can be reduced to a judgment) to recover from the owner or operator of the uninsured vehicle, then the insurance carrier is liable for the damages to its insured for uninsured motor vehicle coverage.

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