FLORIDA AUTO INSURANCE GUIDE
Who Is an Insured Under Florida Auto Insurance?
Insured status can differ by coverage. PIP, liability, UM/UIM and other policy parts may define insured persons differently.
- Named insureds and resident relatives.
- Permissive users and occupants.
- Persons protected by PIP and UM/UIM provisions.
- Employer, commercial, rental and rideshare insured definitions.
Publication review note — September 17, 2026. Verify the actual policy and current Florida statutes and case law before publication.
VictimsGuide 