Comprehensive insurance policy limit data for Florida. Research coverage requirements, minimum limits, claim statistics, and carrier-specific data used in insurance policy investigations.
Minimum Liability
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UM/UIM
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PIP Coverage
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Fault System
Tort (At-Fault)
Minimum BI Limits
$25,000/$50,000
Required since 2024 tort reform
Uninsured Motorist Rate
20.4%
One of the highest rates nationally
PIP Coverage
Repealed
Replaced by BI requirements in 2024
Avg. Claim Litigation
71%
FL auto claims that enter litigation
Don't Settle Blind
Many Florida defendants carry coverage well above state minimums. Without confirmed policy limit intelligence, plaintiff attorneys risk under-settling cases by millions of dollars.
Multiple Coverage Layers
Primary auto liability, umbrella policies, excess layers, UM/UIM coverage, and employer-provided policies may all be available. Apex Research identifies every source.
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