Am I required to buy auto insurance in Florida if I own or lease a car?
Yes, the minimum requirements under Florida law state that, you must have property damage and personal injury protection on your policy. Often times we find that people think that they have full coverage when they have just property damage and personal injury protection on their policy. Now, in order to truly be fully covered I’d recommend you add bodily injury and uninsured motorists to your policy because what happens is, someone that has the minimum requirements if they crash into you and you sustain serious injuries and you rack up a lot of medical bills. You may be left paying those bills if they don’t have bodily injury on their policy.