Florida No-Fault PIP Reform and Its Impact on Bodily Injury Claims

Florida's Auto Insurance Landscape in 2025

Florida has one of the most complex auto insurance regulatory environments in the country. The state's no-fault PIP (Personal Injury Protection) system, combined with low mandatory bodily injury limits, creates unique challenges for plaintiff attorneys pursuing fair compensation for seriously injured clients.

Current Mandatory Coverage Requirements

Florida requires all drivers to carry: $10,000 PIP (Personal Injury Protection) coverage and $10,000 Property Damage Liability (PDL). Critically, Florida does NOT require bodily injury (BI) liability coverage for most drivers. This means a driver who seriously injures your client may carry zero bodily injury liability coverage.

The Uninsured Motorist Problem in Florida

Because BI coverage is not mandatory, Florida has one of the highest uninsured/underinsured motorist rates in the country — consistently above 20% of drivers. For plaintiff attorneys, this means UM/UIM coverage on your client's own policy is often the primary recovery vehicle, not a backup. Verifying your client's UM/UIM limits at intake is non-negotiable in Florida cases.

Policy Limit Discovery Challenges in Florida

Florida Statute 627.4137 requires insurers to disclose policy limits upon written request within 30 days. However, the statute applies to BI policies — if the defendant carries no BI coverage, there are no limits to disclose. This makes early and thorough investigation of umbrella and excess coverage especially important in Florida cases.