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Lisa Faina Agency
Auto insurance in Cooper City, FL
— Personal · AutoAuto Insurance

Auto coverage built for Florida drivers

— built for Florida drivers.

Florida is a no-fault state. Your policy should reflect that.

Florida law requires only $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) to register a vehicle. Those minimums haven't been updated in decades — and a single emergency room visit or a totaled vehicle can blow through them in hours.

We walk every client through the optional coverages that actually protect your finances: Bodily Injury Liability, Uninsured Motorist (critical given Florida's high uninsured-driver rate), Collision, and Comprehensive. Then we build the policy around your real exposure, not the bare legal minimum.

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Coverage

Coverages we'll walk you through

Florida's required coverages are the floor, not the ceiling. Here's what we typically recommend reviewing.

  • Personal Injury Protection (PIP) — required
  • Property Damage Liability (PDL) — required
  • Bodily Injury Liability — strongly recommended
  • Uninsured / Underinsured Motorist
  • Collision & Comprehensive
  • Rental Reimbursement & Roadside
FAQ

Frequently Asked Questions

What's the minimum auto insurance required in Florida?
Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) to register a vehicle. Unlike most states, Bodily Injury Liability is not required for standard registration — Florida is one of only two states where this is the case. That said, $10,000 is a very low ceiling given today's medical and repair costs, which is why we routinely recommend higher limits and additional coverages.
Do I really need Bodily Injury coverage if it's not required?
Most drivers should carry it. If you cause an accident that seriously injures someone, PIP only covers your own medical expenses — it does nothing for the other driver. Without Bodily Injury Liability, you can be sued personally for the difference. The cost to add it is typically modest compared to the exposure it covers.
What is Uninsured Motorist coverage and should I add it?
Florida has one of the highest uninsured-driver rates in the country. If you're hit by someone with no insurance — or not enough — Uninsured/Underinsured Motorist coverage steps in to cover your medical bills and lost wages. We strongly recommend it for anyone who drives regularly in South Florida.
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