by 
The Curious Bag
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If you are a new resident of Florida, the state's auto insurance system might seem confusing. The state uses a no-fault auto insurance system to protect drivers and passengers.
Definition
Florida no-fault insurance is coverage that pays for a driver's injuries and medical expenses that occur as a result of a car accident, without regard to who caused the accident.
Personal Injury Protection
Florida law requires all drivers to carry at least the minimum limit of personal injury protection. This coverage provides you with immediate access to money to pay for your medical expenses without waiting for adjusters or courts to determine fault.
Property Damage Liability
Florida requires residents to purchase and maintain a minimum level of property damage liability coverage. This pays for repairs to another driver's vehicle, but offers no coverage for your car.
Minimum Limits
Residents must carry at least $10,000 in personal injury protection and $10,000 in property damage liability. These imposed minimum limits are on a per-accident basis.
Residency Requirements
No-fault coverage is required for both full- and part-time residents. Any driver who lives in Florida at least 90 days out of the year is considered a resident.
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