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Florida Auto Insurance Coverage Bodily Injury And Property Damage Limits

Bodily injury limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for bodily injury or death caused by an insured person in an auto accident. Property damage limit: This is the maximum amount your insurance policy will pay when an insured person becomes legally liable for damage in an auto accident to the property of other people (e.g. light poles, fences, another vehicle, etc.).

In Florida a driver must have a minimum coverage of $10,000 for bodily injury to one person, $20,000 for bodily injury sustained by two or more persons in a single accident, and $10,000 for property damage that results from one accident. To adequately protect yourself, you may want to purchase much more than the minimum amount of coverage required for Florida. Insurance.com licensed insurance agents in Florida can answer your questions online or by phone.

Bodily Injury & Property Damage Coverage:

$10,000 person/$20,000 accident/$10,000 property
$25,000 person/$50,000 accident/$25,000 property
$50,000 person/$100,000 accident/$50,000 property
$100,000 person/$300,000 accident/$50,000 property
$100,000 person/$300,000 accident/$100,000 property

Common Exclusions: Bodily injury and property damage coverages apply to injury and damage from normal use of the insured vehicle. Coverages are limited by your policy and there may be some circumstances in which coverage does not apply. For example, in some policies coverage does not apply to:

Bodily injury or property damage arising out of the use of your vehicle while transporting people or property for a fee.
Injury or damage caused by an intentional act.
Injury or damage as a result of operating a vehicle owned by a person covered by your policy, where the vehicle is not listed on your policy.
Injury or death of you or a family member.
Property owned by, rented by or in the control of an insured person.

The above coverage definitions are intended only as guidelines. All terms and coverages are defined solely by the auto insurance policy you purchase. For additional question or concerns, we recommend that you speak with a Florida licensed no-fault auto insurance agent. Insurance.com's licensed insurance agents in Florida can answer your questions online or by phone. A sample list of insurance providers available through Insurance.com's fully licensed agents are: AIG, Travelers, The Hartford, Progressive, Safeco, Permanent General, Met Life, Electric Insurance, Esurance, Arrowhead, Liberty Mutual, Unitrin Direct, and more. Obtaining your four no obligation free instant online auto insurance quotes is the first step. Then simply compare your alternatives, ask questions, buy online or over the phone.

*Note: Coverage minimums displayed are the minimum available through insurers on Insurance.com. Please use the free quotation link above for additional information.

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