What FL requires of Palm Bay drivers

What FL requires

Florida is a no-fault state. To register a car you need $10,000 of personal injury protection (PIP) and $10,000 of property damage liability.

PIP pays 80% of necessary medical costs up to $10,000 no matter who caused the crash. Bodily injury liability is not required to register — which means many Florida drivers carry none, and why uninsured motorist coverage matters here.

If the other driver is at fault and carries only the minimum, their policy stops at those amounts. Uninsured/underinsured motorist coverage is what pays you beyond that.

Source: Florida Department of Highway Safety and Motor Vehicles, checked 2026-10-26.