I am registering a vehicle for the first time in Tampa, Florida. Is auto insurance mandatory?
Yes. If you own a vehicle with at least four wheels and are registering it in Tampa, you must have Florida No Fault Insurance.
What type of insurance is required to purchase and maintain a Florida tag and registration?
Florida’s minimum coverage is $10,000 Personal Injury Protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida tag.
What is PDL (Property Damage Liability) insurance?
This coverage pays for damages you or members of your family cause (and are liable for) to other people’s property in a crash involving a motor vehicle.
What is BIL (Bodily Injury Liability) insurance?
Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued.
In particular, your company pays for injuries caused by you or members of your family who live with you, even if they were driving someone else’s vehicle. It may also cover others who drive your automobile with your permission.
This coverage also provides you with legal defense in the event you are sued by the injured party.