The pandemic sparked a massive migration to the Sunshine State, with Florida welcoming hundreds of thousands of new residents each year since 2020. Many newcomers are drawn by the promise of year-round sunshine, no state income tax, and a more relaxed lifestyle. However, these new Floridians often discover an unexpected challenge: the state's unique—and potentially risky—approach to automobile insurance.
Unlike many other states, Florida has surprisingly minimal car insurance requirements. New residents are often shocked to learn that the state doesn't require drivers to carry Bodily Injury (BI) or Uninsured/Underinsured Motorist (UM) coverage.
For those unfamiliar with these types of insurance:
With Florida's roads becoming increasingly crowded due to the population boom, these minimal requirements create a perfect storm of risk. Consider this: When a family moves from a state like New Jersey or Michigan, where BI and UM coverage is mandatory, they enter a system where many drivers around them carry only the bare minimum—or worse, drive without any bodily injury (BI) insurance altogether.
Bodily Injury (BI) Insurance
Uninsured/Underinsured Motorist (UM) Coverage
As Florida's population continues to surge, the importance of ensuring you are protected with the right type of car insurance coverage becomes even more critical. With more drivers hitting Florida's roads year after year, the risk of a crash gets higher, and the state's minimal requirements leave many newcomers vulnerable to devastating financial consequences. Imagine suffering a catastrophic injury that prevents you from working, requires extensive medical treatment, or results in permanent disability—only to discover the at-fault driver has no BI coverage. Without proper insurance coverage, you could face hundreds of thousands of dollars in medical bills, lost wages, and a dramatically altered quality of life with no way to recover these losses.
Don't wait for an accident to discover the gaps in your coverage. While Florida's insurance requirements might be minimal, your protection doesn't have to be. Make sure you're properly covered for the realities of driving in today's rapidly growing Florida. Review your current policy carefully and consider upgrading to include BI and UM coverage if you do not already have this coverage and can afford to do so.
If you have been injured in a crash while driving anywhere in Florida, call Rico now for a free case review. Call 561-801-8966.
If you have suffered a catastrophic injury due to someone else’s negligence, Rico Lively is here to help. With his deep expertise, proven success, and client-centered approach, Rico will fight to secure the justice and compensation you deserve.