The Importance of Higher Liability Limits and Uninsured Motorists Coverage in Florida Auto Insurance

Florida is known for great weather and its beaches, but it also has one of the highest rates of uninsured drivers in the nation. This makes having both higher liability limits and uninsured motorist (UM) coverage essential for protecting yourself financially.

Why Higher Liability Limits Matter

Florida’s minimum liability coverage—$10,000 for property damage liability (PDL) and no bodily injury liability (BIL) requirement—offers little protection in serious accidents. If you are at fault in a crash, medical bills and damages can quickly exceed these limits, leaving you personally responsible for the excess costs. Higher liability limits ensure you are financially protected against costly lawsuits and large claims.

The Need for Uninsured Motorist (UM) Coverage

With nearly 20% of Florida drivers uninsured, (WOW!) there’s a significant chance of being hit by someone without coverage. If an uninsured or underinsured driver injures you, UM coverage helps pay for medical expenses, lost wages, and pain and suffering—costs that could otherwise be devastating.

Final Thoughts

While Florida law does not mandate higher liability limits or UM coverage, having both can prevent severe financial hardships. With rising medical costs and high numbers of uninsured drivers, upgrading your auto insurance policy is a smart way to ensure peace of mind on Florida’s roads. Investing in better coverage now can save you from overwhelming expenses later.

Let's us review your current insurance and provide options to better protect yourself.