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The General® is pleased to provide auto insurance in Florida.  We offer low cost auto insurance options online even if you have a less than perfect driving record, have never been insured before, have let your policy lapse, or have had your coverage suspended or revoked.

We’ve provided some information below that we hope will be helpful in answering some of the more common questions we’ve received from our customers.

Mandatory Minimum Level of Coverage

Florida’s minimum coverage is $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL) as long as you have a valid Florida tag, even if the vehicle is in another state or inoperative.  There are no exemptions in the law.  Additionally, if you have been involved in an accident, or have been convicted of certain offenses, you may be required to purchase Bodily Injury Liability (BIL) coverage.

Frequently Asked Questions Regarding Florida Auto Insurance

What is “Personal Injury Protection“ (PIP) insurance?

PIP is coverage that will compensate a loss due to injury regardless of who is charged with causing the crash.  PIP applies to bodily injury to you, relatives who live in your home, and passengers who are not required to have PIP, as well as licensed drivers who drive your vehicle with your permission.  PIP insurance also protects you if you are injured as a pedestrian or bicyclist as long as the injury is caused by a crash involving a motor vehicle.

What is “Property Damage Liability“ (PDL) insurance?

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

What is “Bodily Injury Liability“ (BIL) insurance?

Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile.  Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued.  In particular, your company pays for injuries caused by you or members of your family who live with you, even if they were driving someone else’s vehicle. It may also cover others who drive your automobile with your permission.  This coverage also provides you with legal defense in the event you are sued by the injured party.

What if I fail to keep insurance on my vehicle that I have registered in Florida?
The Department of Highway Safety and Motor Vehicles is authorized to suspend your driving privilege, including your vehicle tag and registration, for up to three years or until proof of Florida insurance is provided, whichever is first.

If my driving privilege is suspended because I am not properly insured, is there a penalty to reinstate my license?
Yes.  A reinstatement fee of $150 up to $500, for subsequent violations, must be paid and you must provide proof of current Florida insurance.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Florida Office of Insurance Regulation
Florida Department of Highway Safety and Motor Vehicles
The Official State of Florida Website
Florida Department of Transportation