Florida is a no-fault auto insurance state, and it requires PIP (Personal Injury Protection) of $10,000.
In a no-fault state, your own Personal Injury Protection (PIP) pays your medical bills after a crash regardless of who caused it, and your right to sue the other driver for pain and suffering is limited to serious-injury cases.
Florida at a glance
Fault system
No-fault
PIP required?
Yes — $10,000
UM/UIM in minimum?
Not required
PIP required; BI not required for most drivers (verify 2026 reform status).
Florida Fault System — FAQ
Is Florida a no-fault state?
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Florida is a no-fault auto insurance state, and it requires PIP (Personal Injury Protection) of $10,000. In a no-fault state, your own Personal Injury Protection (PIP) pays your medical bills after a crash regardless of who caused it, and your right to sue the other driver for pain and suffering is limited to serious-injury cases. PIP required; BI not required for most drivers (verify 2026 reform status).
Does Florida require PIP or uninsured-motorist coverage?
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Florida prescribes Personal Injury Protection (PIP) of $10,000 as part of its minimum coverage. Uninsured/underinsured motorist coverage is not part of the mandatory minimum, but it is worth adding given uninsured-driver risk.
Why does it matter whether Florida is no-fault or at-fault?
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It changes who pays and whether you can sue. In a no-fault state your own PIP pays your medical costs first and lawsuits are limited to serious injuries; in an at-fault state the at-fault driver's liability insurance pays and you keep the full right to sue. This affects which coverages you should carry. This is general information, not legal advice — confirm specifics with the Florida Department of Insurance or a licensed attorney.
Related guides and tools
Sarah Mitchell
Editorial Lead, Property & Casualty
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed July 2026
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