Unlike 48 of the other 50 states, Florida does not require its drivers to carry insurance that will pay for bodily injury caused by a negligent or reckless driver.
According to a recent study done by the Insurance Information Institute, Florida is second only to California in the number of uninsured motorists on the highways. Currently, Florida has 3.2 million drivers on the highways driving without any type of insurance which would pay for the injuries or death of the people they may hurt or even kill. Florida and New Hampshire are the only two states in the entire country that do not currently require even a minimum amount of bodily injury liability coverage. On top of the 3.2 million that are totally uninsured Florida has another major problem. Of those drivers in Florida counted as “insured” many have chosen to only buy PIP insurance that provides minimum payments to themselves and nothing to others that they may harm.
Under current Florida law, a vehicle owner can legally purchase an insurance policy that qualifies him or her as an “insured” that only provides Personal Injury Protection for themselves. Taken together, we have the 3.2 million who have absolutely no insurance and countless others who have simply bought PIP coverage with no liability insurance included. As a result, there is a strong likelihood that if a driver is involved in an accident in Florida the person who caused the accident is carrying no insurance to pay for the victim’s injuries.