Required personal injury protection benefits in Florida – what they mean to you as a Florida resident

Personal Injury Claim

Most people who live here in Florida are aware that the state has a series of laws called the Florida Statutes that are “a permanent collection of state laws organized by subject area into a code made up of titles, chapters, parts, and sections. The Florida Statutes are updated annually by laws that create, amend, transfer, or repeal statutory material.”

Included amongst the 2015 Florida Statutes is an entire section on Insurance: Title XXXVII, Chapters 624 through 651. Chapter 627 of this section covers Insurance Rates and Contracts. 627.736 refers to “Required personal injury protection benefits; exclusions; priority; claims”

At Slinkman, Slinkman & Wynne, P.A. we realize that most Florida residents reading this blog do not want to read through the rather complicated and long-winded statutes that discuss insurance requirements. You want to know what they are and how they affect you and your loved ones, in plain English.

Since the last changes to the statutes in 2012 & 2013, Florida drivers have been required to carry the following minimum insurances:

  • $10,000 in personal injury protection (PIP) benefits, and
  • $10,000 in property damage liability (PDL) benefits.

Florida does not, however, require drivers to have bodily injury liability (BIL) benefits (which pay the costs of others’ injuries if a crash occurs). Most other states do require you to have BIL benefits in your insurance coverage. All auto insurance policies must be purchased from insurers licensed to do business in Florida. Driving without insurance in Florida is illegal, and a driver may have his or her license suspended if caught driving without at least the minimum required insurance. To get a license reinstated, a driver has to show proof of insurance on every vehicle owned in the state of Florida, and must pay a fine of up to $500 per violation.

These are just the basic rules of insurance as they are presently constituted here in Florida. Our Board Certified lawyers from Slinkman, Slinkman, & Wynne are the right lawyers to get you the best settlement that you deserve based upon your unique set of circumstances when you have been involved in an automobile accident.  We will find out what coverage you and all of the motorists involved in the accident have – making sure to ask all of the right questions of all companies and interested parties in your case.

If a person you care about gets hurt or killed in a car, motorcycle or boating accident, or you simply have a question about a potential personal injury situation that you have not yet had answered, please call us at Slinkman, Slinkman & Wynne, P.A. We offer a free initial consultation, and our phone number is (561) 686-3400.

At Slinkman, Slinkman, & Wynne, we understand that motor vehicle accidents happen every day. We also understand that not everyone has the minimum insurance coverage required under the current state statutes.

We help our clients obtain payment to cover hospital and other medical expenses, pain and suffering, and more, if the situation warrants it. If you want to learn more about how we can help you in a situation where someone you love has been in an accident, then go to this page on our website: We also specialize in Wrongful Death & Serious Injury, Medical Malpractice, Defective Products, and many other types of legal situations where injury or death has occurred.

Whether you are in Palm Beach Gardens, Jupiter, Stuart, West Palm Beach or any other city in the state of Florida, you need to find and hire a law firm that has the level of knowledge and experience that will get you the financial results you deserve, while also working with you throughout your case until some type of resolution has been reached. With over four decades of experience, that firm is Slinkman, Slinkman, & Wynne.

Contact us directly at (561) 686-3400, or via email at



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