- Florida employs a "no fault" system of vehicle insurance. This means each driver's insurance company pays for the insured's claims, up to the specific policy limitations. The no fault system is only applicable for medical claims resulting from a covered crash, not the physical damage incurred. These costs remain the responsibility of the driver deemed at fault.
- Commonly referred to as PIP, Personal Injury Protection coverage helps pay for medical expenses incurred by the insured and her passengers. This is typically limited to costs deemed "reasonable and necessary," and limited by the amount of coverage purchased. Florida requires a minimum PIP of $10,000.
- In addition to PIP coverage, Florida requires drivers to carry a minimum $10,000 in property damage liability insurance. This pays to repair or replace any physical property the insured destroys with his vehicle. Examples include other vehicles or property, such as fences, buildings or signs. In some cases, it can also provide liability coverage in the event of a lawsuit for "pain and suffering" resulting from a covered accident.
- If a vehicle owner/operator allows the required insurance coverage to lapse, the Florida Department of Highway Safety and Motor Vehicles can suspend his driving privileges. This suspension can include the vehicle license plate and registration, and remain in effect for up to three years or until the owner provides proof of Florida insurance.
- Although a vehicle operator may not consider herself a permanent Tampa resident, she still may need required insurance. By law, any person who has a vehicle in Florida more than 90 days during a 365-day period must purchase personal injury protection and property damage liability coverage. The 90 days need not be consecutive.
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