Orlando Car Insurance
Reader’s Question:
I know that Orlando car insurance minimum requirements are to get just the property damage liability for $10,000 and personal injury protection for also the same amount. However, I heard from a friend that he is required to get higher amount of limits for his car insurance. How can that happen?
Joey
Orlando, FL
It’s correct that the minimum required car insurance coverages in the state of Florida (and that’s including the Orlando car insurance requirements) are just to get the two car insurance coverages that you’ve mentioned: property damage liability (PDL) and personal injury protection (PIP) for $10,000 each.
However, in some cases, the states of Florida may require an individual to purchase more than what is required by the law. For instance, if a driver is involved in some traffic violations, or is involved in a vehicular accident where he or she is not able to pay for the damages or he/she does not have car insurance, then that driver will be required to purchase additional coverage of:
- $10,000/person
- $20,000/bodily injury liability
- $10,000 for PDL
- or a combination single limit amounting to $30,000 for every accident
So to avoid getting higher car insurance limits and also to protect your driving record, I’d highly recommend that you follow traffic rules all the time and make sure that your Orlando car insurance is in active also. Always pay your car insurance bills before the due date to avoid any lapse or cancellation on your car insurance policy.
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