Florida Auto Insurance & Crash Law

VictimsGuide’s Florida library organizes the rules that matter after a serious motor-vehicle crash, including PIP and financial-responsibility requirements, uninsured and underinsured motorist coverage, stacking and nonstacking elections, policy interpretation, claims handling, employer and commercial coverage, government claims, comparative fault, damages, medical liens, settlement and controlling case authority.

Florida rules to identify early

• PIP and property damage: Florida’s no-fault system generally requires $10,000 PIP and $10,000 property-damage liability for registered vehicles, while bodily-injury financial-responsibility requirements arise in specified circumstances.
• UM/UIM: uninsured-motorist coverage accompanies bodily-injury liability coverage unless validly rejected in writing; stacked and nonstacked elections require careful review.
• Comparative fault: Florida’s modified system can bar recovery when a claimant is more than 50% at fault, subject to statutory exceptions.
• Government claims: Section 768.28 imposes notice, immunity and damages rules that differ from ordinary private-party claims.

Preserve the declarations and endorsements, PIP payment history, crash report, photographs, video, vehicle data and medical billing records, and investigate household, employer, commercial, umbrella and excess policies before signing a release.

Current-law review: September 17, 2026. Verify current Florida statutes, regulations, appellate decisions and policy language for the particular claim before relying on this educational guide.