Bodily Injury Liability Insurance in St. Pete and Pinellas Park

Bodily Injury Liability Insurance in Florida

Bodily Injury insurance covers serious injuries or death to others in an accident up to policy limits. Coverage includes cost of medical treatment, disability benefits (resulting from lost wages), and wrongful death benefits. This type of insurance is generally not required in Florida but serves an important purpose and drivers are strongly encouraged to carry this coverage. 

If you are an accident victim – the person at fault in the accident’s policy can cover the cost of your injuries. This could be the driver of another vehicle or the driver of the vehicle you were in. 

If you cause an accident – this coverage will cover the cost of the victim’s injuries, provide an attorney, and protect your assets from being subject to a judgment. Florida has a Financial Responsibility Law which requires the person at fault in an accident provide financial coverage of at least $10,000 per person and $20,000 per accident, if you are unable to post a bond for the requisite amounts, severe penalties apply.