Bodily injury liability pays for the injuries you cause to other people. It pays nothing toward your own. Florida is one of the few states that does not require it to register a car, and the same coverage sits quietly on your home, your business and your umbrella policy. This guide walks through all of it, in plain English.
Plain-English guide · Se habla español · Serving all of Florida from Lake Worth Beach
Somebody ran the light. Somebody was on their phone. You are the one collecting.
The other driver did everything right. Their surgery, their lost paychecks, their lawsuit. All pointed at you.
Think about the last time you imagined a car accident. Somebody ran a light. Somebody was on their phone. Somebody came out of nowhere. In every version, you are the one getting hit.
That is not a character flaw. It is how everybody’s head works, mine included. But it leaves a hole in what you understand about your own policy, so it is worth one minute to turn the picture around.
Same road, same afternoon. Except this time the one second glance is yours, and the person who did everything right is in the car in front of you. They get out. They seem fine. You exchange information, you drive home rattled, and it feels like the story is over.
Then over the next few weeks they turn out not to be fine. An emergency room. Scans. A specialist. A surgery. Weeks of work they cannot do, which means weeks of pay they do not get. Somebody has to cover all of that. Under Florida law, that somebody is you.
Not because anybody decided you are a bad person. After a crash, the insurance companies involved are the ones who decide who was at fault, working from the police report, the statement each driver gives, and where the damage sits on the cars. Looking down at your phone is an ordinary human mistake that decent people make every day. It is also, legally, your fault. Both of those are true, and only the second one shows up on the paperwork.
So their medical care, the income they lose while they cannot work, and, if the injury turns out to be permanent, money for what it did to their life, all become yours to pay. Bodily injury liability is the one thing on your policy that stands in that spot instead of you.
And here is why you probably bought less of it than you meant to. When you shop for insurance picturing the crash where you are the victim, you spend your money accordingly. You think carefully about your deductible, the amount you have to pay out of your own pocket before your policy starts paying, because you can picture your own dented bumper. You consider rental reimbursement, which pays for a rental car while yours is in the shop, because you can picture standing in a parking lot with no way to get to work. Then you reach the liability line, feel nothing in particular, and take whatever number costs the least.
So the coverage that repairs your car gets careful thought, and the coverage standing between you and everything you own gets whatever was cheapest. That is not carelessness. It is what happens to a coverage built entirely for a day you have never once pictured. And there is a second reason it gets shortchanged. The name points people in exactly the wrong direction.
Not you. Not your car. Not your passengers. Not the people who live in your house. The person you hurt. Their ambulance. Their surgery. The paychecks they miss while they heal. That is where every dollar of this coverage goes.
The name is what does it. "Bodily injury" sounds like it has something to do with your body, so people read it as protection for themselves. It is the exact opposite.
"I’m ashamed to admit it but I thought the bodily injury was for ME and my passengers and I drive truck so I didn’t really think twice. I also wasn’t aware how expensive medical care was because I’ve always been healthy and never needed to go to the hospital. After looking into what bodily injury coverage is, everyone on Reddit has said do the 50/100k coverage AT MINIMUM and I’ll be doing that moving forward. I genuinely had no idea."
r/Insurance · US · 2026
Nothing careless about that. He is a professional driver who read the words on his policy and assumed they meant what they sound like. Anybody would. It is the mix-up I explain across my desk more than any other, to people who have carried the coverage for years and were never told which way it points.
The word doing the work is "liability." It is worth twenty seconds, because once you have it, your whole policy gets easier to read. Liability coverage is the kind that pays when you are legally responsible for hurting somebody or wrecking something that belongs to them. It always points away from you, at other people.
Everything on an insurance policy points one of two directions. Some coverages point at you and your stuff: collision repairs your car, comprehensive handles the tree that fell on it, the medical coverages further down this page treat your injuries. The liability coverages point outward, at the damage you do to somebody else.
That is the entire distinction, and it is most of what anybody needs to know to read their own declarations page.
How your insurance company handles it. This is the part I get asked about across my desk, and it is a fair thing to wonder about. You cause the crash. The injured person brings a claim against your policy, not against your checking account. Your insurance company investigates it, negotiates it, and pays that person directly. You never front the money and you never write the check. If they file a lawsuit, your insurer hires the defense attorney and pays for that too, even if the claim against you turns out to be groundless. Somebody still has to answer it, and answering it costs money from the first phone call.
Attorneys bill by the hour whether you win or lose. On a serious claim, that defense benefit alone can be worth more than the limit you bought. And here is the part almost nobody gets told: on a standard auto policy that defense is paid on top of your limit, not out of it. Every hour your attorney bills is not a dollar taken away from what is left for the person you injured. Your whole limit stays available for the claim itself.
What does have a ceiling is the money that reaches that person. That ceiling is your limit, the most your policy will pay on a claim. It is a dollar figure you chose when you bought the policy, and it is one a lot of people pick in about four seconds without ever being told what it was for.
Once that limit is paid out, your insurance company’s job is finished, defense included, and the rest of the conversation is between that person and you. Which is the whole reason the number you picked matters, and there is a section on it further down. No deductible on any of it, either. It generally pays from the first dollar to the limit, so nothing comes out of your pocket first.
Now, the question you are already asking.
Fair. Nobody ever answers this in the same breath as the bad news, so let me. Four things can pay for your own injuries in a Florida crash. Not one of them is bodily injury liability.
$10,000 on every registered car. Pays no matter who caused it. Tighter than it sounds.
Optional. Catches what Personal Injury Protection drops, including the 20% it never touches.
Some of the rest, minus your deductible, your copays, and anything your network will not touch.
Pays YOU when the driver who hit you cannot. The one that comes back later on this page.
Personal Injury Protection. Every registered vehicle in Florida carries $10,000 of it, and it pays no matter who caused the crash. You do not have to prove anything about the other driver to get treated. That is the good part.
Now the limits, because they are tighter than the headline number sounds. It pays 80% of your medical costs and 60% of your lost wages, and here is the part people miss: both of those come out of the same $10,000. It is not ten thousand for treatment and something separate for your paycheck. It is one pot, and your medical bills and your missed income are both drawing from it.
The clock is short, too. You have to start treatment within 14 days of the crash or you can lose the benefit. And if a doctor does not find what Florida calls an emergency medical condition, that medical benefit can drop from $10,000 to $2,500. Picture one ambulance ride, one emergency room visit and one MRI, and you can already see where this is going. Ten thousand dollars was never built to carry a serious injury. It was built to get everybody’s first bills paid quickly without an argument about fault.
Medical Payments is an optional coverage you can add to your own auto policy, and it pays medical bills for you and the people riding with you no matter who caused the crash. Its whole job is catching what Personal Injury Protection drops, including that 20% of your medical bills Personal Injury Protection never touches. How much it pays and exactly what it counts as a medical bill varies by policy, which makes it precisely the kind of thing worth reading side by side before you buy.
Your health insurance picks up some of the rest, minus your deductible, your copays, and anything your network will not touch.
And uninsured motorist coverage is the one that pays you when the driver who hit you cannot. It reaches further than the name suggests. In Florida it also steps in when the other driver does have insurance but not enough of it, which happens far more often than somebody carrying nothing at all. Florida Statute 627.727 treats a driver whose limits fall short of your damages as uninsured for this purpose. So the driver with 10/20 who puts you in surgery is, as far as this coverage is concerned, the same problem as the driver with nothing.
One thing it does not do, and this one catches people: uninsured motorist coverage pays for your injuries, not your car. If an uninsured driver wrecks your vehicle, the coverage that repairs it is collision, and that is a separate line on your policy. If you have been assuming this coverage would handle the car, that is worth checking tonight.
Hold onto uninsured motorist. It comes back later on this page in a way that changes how you read your own policy.
"I am confused on what is the point of purchasing higher bodily injury coverage for yourself in an auto insurance policy if you already have health insurance. If you ever needed treatment for an auto wreck, regardless of who’s at fault, wouldn’t health insurance need to pay for that anyways, minus applicable deductible and copay?"
r/Insurance · US · 2024
His logic is honestly sound, and he is right about his own treatment. What he is missing is that this coverage was never about his treatment. It is about the other person’s bills, the other person’s lost wages, and the lawsuit they file against him. No health plan in America pays for any of those three. Which raises the question almost everybody in Florida gets wrong next.
Florida is a no-fault state. Those two words confuse more people than anything else in insurance, and they are worth thirty seconds, because the rest of this page depends on them.
What it actually means: after a crash, your own Personal Injury Protection pays your first bills regardless of who caused it. You do not have to prove the other driver was at fault to get treated. That is the "no-fault" part. It is genuinely useful, and it is also where the phrase stops being true.
What it does not mean is that fault stopped mattering. Florida law shields an at-fault driver only as far as Personal Injury Protection reaches. Past that line, fault comes back, and it comes back with a bill. Three separate costs can land on the driver who caused it.
Above whatever Personal Injury Protection already covered. The ambulance, the emergency room, the scans, the specialist, the surgery, the physical therapy for months afterward.
Beyond the part Personal Injury Protection replaced. Every day of work they missed because of what happened to them. If they are hourly or self-employed, that climbs fast.
If the injury is serious enough. Money for the experience itself: the months of hurting, the things they can no longer do, the life they do not get back.
The first two have no special bar to clear. They are simply what one person's afternoon cost another person. The third one surprises people at my desk more than anything else, because it does not sound like something a person can be billed for.
Florida does set a bar for that third cost, called the injury threshold, in Florida Statute 627.737. It is a filter, and it filters in the wrong direction for you. The claims that clear that bar are the permanent ones. The surgeries. The injuries somebody never fully gets over. And on those claims, pain and suffering can come to more than the medical bills and the lost wages put together.
"if we carried the same amount of bodily injury liability our insurance broker has and let’s say we cause an accident since FL is a no fault state how can the other party sue us for everything that we have? If their injuries to their vehicle and to themselves are more than what our bodily injury liability has, what happens then?"
r/florida · FL · 2023
A family who moved here from Wisconsin worked their way to exactly this and could not find anybody to answer it. They had the whole thing right and nobody had told them. The answer to the first half is that no-fault only ever covered the first $10,000 of it. The answer to the second half is the rest of this page.
You can register a car in this state, put a plate on it, and drive around perfectly legally without one dollar of bodily injury coverage.
Read that again.
Florida law asks for two things to put a car on the road: $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability. That is the whole list.
One pays part of your medical bills. The other pays for the things you break. Neither one pays a dollar to a person you injure.
Nearly every other state requires drivers to carry something for the people they hurt. Florida does not. Which means some of the cars around you on I-95 this afternoon have nothing behind them.
And there is no way to tell which ones by looking. The car that hits you, or the car you hit, carries whatever its owner picked. That cuts both directions, and it is why the two numbers in the next section decide almost everything.
So if the state is not deciding your number, what should? Start with what the numbers actually mean.
Your limits show up as two numbers. 10/20. 50/100. 100/300. Those are thousands. 10/20 means $10,000 and $20,000. 100/300 means $100,000 and $300,000. Nobody ever writes the zeros, which is the first small way this gets confusing.
The first number is the most your policy pays for any one person you injure. The second is the most it pays for everyone hurt in that crash combined. A third number, when you see one, is property damage.
That second number does more work than it looks like. At 10/20, if you injure three people, all three are splitting $20,000, and no single one of them can collect more than $10,000 of it. One car with a family in it can exhaust your entire coverage before the first surgery gets scheduled.
First number: the most paid to any ONE person you injure.
The most paid to EVERYONE hurt in the crash, combined, shared among them.
Now go back to the driver from the top of this page. The one who got out of the car and seemed fine. Say his surgery and the care around it come to $90,000, and the weeks he cannot work cost him another $30,000. Nothing exotic. One neck injury from one ordinary afternoon.
His own Personal Injury Protection covers the first $10,000. If you were carrying 10/20, your policy pays $10,000 and stops. That is the number doing its job, exactly as written. The other $100,000 does not go anywhere. It becomes yours.
And notice what that surgery did. A permanent injury clears Florida’s injury threshold, so his pain and suffering is on the table too, on top of the numbers above. The crash that felt minor enough to drive home from is exactly the kind that comes back as a number with six digits in it.
An example to show how the numbers work, not a claim about typical costs. Real claims vary.
So how would anybody actually collect that from you? This is the question people are really asking, and it stays abstract until you see the order it happens in. The injured person makes a claim. If that does not get resolved, they can sue you. If they win, or if it settles, the result is a judgment, which is an official court decision saying you owe them a specific amount of money.
A judgment is not a bill you can throw away. In Florida it can generally be enforced by garnishing your wages, meaning the money comes out of your paycheck before it ever reaches you, by pulling funds straight from your bank account, and by putting a lien on property you own, which means you cannot sell it without paying what you owe first.
Florida law does shield certain things from collection, and those protections are genuinely meaningful. So the point is not that everything you own is up for grabs. The point is that everything above your limit stopped being the insurance company’s problem and started being yours.
But there is a second cost to a low limit, and this one runs in the direction you DO picture.
Remember uninsured motorist coverage, the one that pays you when the driver who hit you has nothing, or does not have enough? In Florida it is tied to your bodily injury limit by two rules: you cannot buy it without bodily injury coverage, and you cannot buy more of it than you have.
Florida Statute 627.727 hangs the whole uninsured motorist requirement on a policy that provides bodily injury liability. No bodily injury, no uninsured motorist. And the coverage is written equal to your bodily injury limits automatically. Every choice the law gives you from there runs downward. There is no option to go up.
Now read that against your own policy. The number you picked for strangers is the exact number protecting you. That is the accident you do picture. And you set the limit for it without realizing.
There is good news underneath it. Uninsured motorist comes attached at your bodily injury limits by default; you do not have to ask. The catch is that if anybody ever had you sign for lower limits, that is what you have, and it does not reset. It sits there until somebody changes it.
Somebody found out in the worst order:
"Was in an accident 2 years ago I was at fault the other car add 3 people inside the car. I just got an email from my insurance. Pretty much a letter for settlement medical bills etc, everything is about 100k from them, my max limit is 15/30k max. Since my accident I had upped my limits currently at 250/500/100. I’m scared since I don’t want to get sued and I live pretty much paycheck to paycheck. What do I do?"
r/Insurance · US · 2024
Three people in that car, and a 15/30 policy. Look at what he did after: 250/500/100. He knows exactly what the right number was. He just learned it two years too late, and he is paying for that lesson now.
You can have that same information tonight, for free.
Pull your declarations page. That is the summary sheet your insurer sends you at every renewal, usually the first page or two of the policy, listing your name, your vehicles, and a table of your coverages with a dollar limit next to each one. It is sitting in your email, and it is in your insurance company’s app. It is not the thick booklet of policy language; it is the short page with the numbers on it.
Find the line that reads Bodily Injury Liability, and call me at (561) 586-4955. I will tell you in five minutes what those two numbers actually protect. If they are already where they should be, I will say so and let you get back to your evening.
This question usually gets pointed at a rate calculator, which answers something you did not ask. You are not really asking what it costs. You are asking how much of the risk you want to keep.
Four questions do the real work here, and not one of them is about the premium.
Savings, home equity, future wages. The limit belongs near the number you would hate to lose.
Your uninsured motorist protection cannot exceed your bodily injury limit. A low number leaves you thin coming and going.
Your second number is shared by everyone hurt in the crash, and the vehicle next to you might have four people in it.
If you carry an umbrella, or you have thought about one, the coverage underneath has to be high enough to hold it up.
Work through those four with your own numbers and the right limit mostly picks itself.
Florida's legal floor is 10/20. As the driver further up this page shows, one surgery clears that before lunch.
What the right number is for your household depends on what you own, who drives, and what is already sitting on your other policies. No web page can tell you that, and I would not trust one that claimed it could.
It is a five minute phone call with your declarations page in front of you: (561) 586-4955.
Optional right up until it is not. Three situations change that, and they are not the same situation, which is where nearly every page on the internet gets it wrong.
First, what those form numbers actually are. If you have lost your license and been told you need an "SR-22" or an "FR-44," those are not types of insurance and they are not something you buy. They are a certificate your insurance company files with the state on your behalf, confirming you are carrying the coverage the state now demands of you. The insurance is the insurance. The filing is just the proof, sent directly from your insurer to the Department of Highway Safety and Motor Vehicles. The state will not give your license back until it arrives.
Which one you need, and what coverage has to sit behind it, depends entirely on why you lost the license. It is a three-step ladder, and almost every result you will find treats "SR-22" as one undifferentiated thing.
Reinstatement takes a Personal Injury Protection and Property Damage policy. No bodily injury required for this one.
Now bodily injury is required, at 10/20/10.
A different animal entirely: $100,000 per person, $300,000 per crash, $50,000 property damage, carried three years.
Both reinstatement policies also have to run at least six months, and the coverages cannot be quietly reduced partway through.
A few more. Taxis carry their own required limits: $125,000 per person, $250,000 per crash, $50,000 property damage. Leases are not a state requirement, but leasing companies commonly write it into the contract. And if you cause a crash that injures somebody, Florida can require you to carry this coverage going forward even if nothing required it before. That rule is the state’s financial responsibility law, which is simply the law that says a driver has to be able to pay for the harm they cause.
If you are anywhere on that list, call before you buy anything. The filing has to match your exact situation or the license does not come back, and that mistake costs weeks. I answer my own phone, in English and in Spanish.
Here is the part almost nobody puts together. Bodily injury liability is not an auto coverage. It is the same idea doing the same job across nearly everything your household insures.
Remember the direction test from the top of this page. Every policy you own has coverages pointing at your own stuff and coverages pointing outward at other people. On every one of those policies, the outward-pointing one for injuries is this coverage, under whatever name that policy happens to give it.
You would never know it from searching. Auto pages explain auto. Business pages explain business. Home pages explain home. Almost nowhere does anybody explain that these are the same coverage. One Florida family found out when a single injury landed on two policies at once:
"Salesperson has subsequently retained a PI attorney who has filed claims against both our homeowners and auto."
r/legaladvice · FL · 2026
One injury. Two policies. Two adjusters, meaning the person each insurance company assigns to investigate a claim and decide what it pays. That is why I look at everything a household owns in one sitting instead of one policy at a time.
Same coverage, different name, on every layer of the household.
Your homeowners policy carries this coverage as its personal liability section. Somebody is hurt because of you or something you own, you are legally responsible, and that section responds: their costs, and your defense.
And it generally follows you off the property. Your dog bites somebody at the park. Your kid puts a ball through a windshield down the block. Something happens on vacation. Commonly the same coverage, working nowhere near your house. It will not pay for injuries to you or the people who live with you.
One gap worth checking tonight: homeowners policies commonly exclude anything arising out of a business run from the home. If you work out of your house, you may be counting on coverage you do not have. Renters and condo policies carry the same section. Landlord policies are a different exposure entirely and do not belong on an owner-occupied homeowners policy.
Where to look: your declarations page, the line reading Personal Liability, usually one number like $300,000 or $500,000. Notice that it is a single number rather than the two you saw on the auto policy.
Same coverage, same job, different toy. Each of these can carry bodily injury liability, doing exactly what it does on your car.
Two things worth knowing. Motorcycles do not work like cars in Florida. Florida’s no-fault law only reaches vehicles with four or more wheels, which is why Personal Injury Protection, the coverage paying part of your own bills after a car crash, does not attach to a motorcycle at all. The safety net you are used to on four wheels is genuinely not underneath you on two. Which means the very first dollar of your own treatment is a different conversation, before you even get to what you carry for other people.
And a golf cart in your neighborhood is still a vehicle that can hurt a child. So is a boat at the sandbar and an ATV on a trail. The injury is just as real and the bill is just as large. On these policies the limits are frequently sitting at the floor because nobody ever raised it.
A general liability policy exists largely because of this coverage. When you see "bodily injury and property damage" on a business policy, that is the main coverage part. A customer slips on your wet floor. Somebody trips on a cord your crew left out. A product you sold hurts somebody.
Defense for covered claims is commonly provided in addition to the limit rather than out of it, though that varies by form. Here is why that difference is worth real money. If the defense costs come out of your limit, every hour your attorney bills is a dollar that is no longer there to pay the person suing you, which means a dollar more that can end up on the business. If the defense sits outside the limit, your whole limit stays available for the claim itself. That is exactly the kind of thing we should read together, so bring the policy.
Two things it will not cover, and both catch owners out. Your own employees, whose injuries go through workers’ compensation instead. And your own injuries. It defends you and it pays the people your business hurts, but it was never built to pay your medical bills when you are the one who ends up hurt. A Business Owners Policy bundles that same liability with property coverage in one package.
Where to look: Each Occurrence is the most it pays for any one incident, no matter how many people bring claims out of it. Three customers hurt in the same accident share that single number. General Aggregate is the most it pays across a whole policy year, added up over every separate claim. That second number is the one owners tend not to know exists until it runs out, and once it is gone it is gone until the policy renews. There is usually a third one as well: claims tied to work you already finished, or to a product you sold, run against their own separate yearly cap.
Same job, larger numbers. Commercial auto is often written as a combined single limit: one amount covering both the injuries and the property damage together, instead of the two separate numbers you saw on a personal policy. A $1,000,000 combined single limit is one million dollars available for the whole loss, in whatever proportion the claim actually falls, rather than one cap for people and a separate cap for property.
And here is the one that ruins people. The moment a vehicle starts carrying people or goods for money, your personal auto policy can stop responding. Driving for a rideshare app is the clearest case of all: the coverage shuts off from the moment you log into the app as a driver, whether or not anybody is riding with you. Ordinary business driving is a separate question with a different answer, and it turns on what you drive and what you are hauling. Which is exactly why it is worth asking instead of assuming.
"I only have personal insurance, not ride sharing. I have been determined to be fully at fault (100 percent) for the accident. The police know I was waiting for a fare and that I work for Uber because I stupidly told them when they first got there after it happened."
r/legaladvice · US · 2015
He did nothing wrong except tell the truth at the scene. The problem was already sitting in his policy before he ever pulled out of the driveway. If any vehicle you own does anything for work, that is a five minute conversation worth having while it is still hypothetical.
This one hides under a different name. Workers’ compensation has two halves. The first pays medical and wage benefits to injured employees, no fault required, and that half is what everybody pictures when they hear the words. The second is employers liability, and it is a bodily injury coverage: it responds when an employee injury turns into a lawsuit against you rather than a standard benefits claim. Same shape as everything else here. It protects other people from you, and it protects you from the bill.
Where to look: your workers’ compensation declarations page shows the benefits section, then a separate set of employers liability limits, commonly three numbers.
"I’ve always been under the impression it’s for wealthy people with lots of assets to protect, and not for the typical homeowner. Am I mistaken and setting myself up for potential catastrophe?"
r/personalfinance · US · 2020
He is not wrong about what he has heard. He is wrong about who it is for. An umbrella is one more layer of liability sitting on top of everything else you own. It does not replace the policies underneath it; it waits behind them. Your auto policy pays out to its limit, runs out, and the umbrella picks up from there. Same with your home, your boat, the rental property. One umbrella sits over all of them at once. It is not a product for rich people. It is a product for anybody who could be sued for more than their limits, which a serious injury claim reaches without trying.
And it only works if what is underneath is tall enough. Umbrellas require minimum underlying limits, which means the auto or home policy below has to carry at least a set amount before the umbrella will sit on it. Drop below that and you open a gap between where your auto policy stops and where the umbrella starts. That gap is yours. Because Florida does not require bodily injury at all, plenty of households here have to raise the auto liability before an umbrella can even attach.
That is the whole case for one person looking at all of it. Auto, home, the boat, the business, the umbrella. Call me at (561) 586-4955 and we will walk through them together.
Worth knowing as clearly as what it does. This coverage does not touch:
Your own injuries. Anywhere, on any policy. That is the four coverages further up the page.
Any vehicle damage. Yours or theirs. Property damage liability, collision and comprehensive.
Your flood policy. Flood covers physical damage to a building and its contents. No liability in it at all.
Your commercial property policy. Buildings and equipment, not people.
Professional liability policies. These answer for financial harm caused by professional services. Bodily injury usually sits outside them and stays on the general liability side. Healthcare is the exception, where the injury itself is the whole subject of the policy.
Anything done on purpose. Insurance covers accidents. Deliberate harm is outside every liability policy there is.
Vehicle damage has its own required coverage: read the Property Damage Liability guide. Your own first bills after a crash run through Personal Injury Protection.
Then this page is not your help. A claim already filed and in dispute belongs with your claims adjuster, meaning the person your insurance company assigns to investigate the claim and decide what it pays. If it is serious, it belongs with an attorney.
Call your insurance company today. No web page is the right next step for a live claim, including this one. If the injury is serious, talk to a licensed attorney as well.
If you are shopping, renewing, or you just want to know what you are carrying before anything happens, that is exactly what I do.
A & J Insurance Services is an independent agency in Lake Worth Beach, serving Palm Beach County since 2007. I am Roberto Ramos Jr., licensed Florida 2-20 Property and Casualty agent, License #P111106. Agency License #L051810. Independent means I shop multiple carriers instead of handing you one company’s answer. I answer my own phone, in English and in Spanish.
And for this coverage specifically: I can look at your auto policy, your homeowners policy, the business policy and the umbrella in the same conversation, and tell you where they line up and where they leave a hole. That is difficult to do one policy at a time, and it is the reason gaps like these survive for years.
Take a photo of your declarations page, email it to aj@ajinsuranceservices.com, and call me. Five minutes. No charge. And if what you have is right, I will tell you it is right.
Mon–Fri 9am–6pm · Sat 10am–4pm EST · English & Spanish · No phone tree
This guide applies statewide. Bodily injury liability works the same way in Miami, Orlando, Tampa or Lake Worth Beach: the statutes cited below are Florida law, not local rules. What changes by household is what you own, who drives, and what already sits on your other policies.
Commercial policies vary more than personal ones: general liability, commercial auto and workers’ compensation forms differ by insurer and by business. Where this page says "commonly" or "generally," that is the reason. Your own policy language is the final word, which is why the reading happens together.
More Florida guides: Personal Injury Protection (PIP) · Property Damage Liability (PDL) · All guides
A & J Insurance Services, Inc.
807 Lucerne Ave. East Unit
Lake Worth Beach, FL 33460
(561) 586-4955
aj@ajinsuranceservices.com
Mon–Fri 9am–6pm · Sat 10am–4pm EST
Roberto Ramos Jr. · Licensed 2-20 Property & Casualty Agent · FL License #P111106 · NPN 9567168
A & J Insurance Services, Inc. · FL License #L051810 · NPN 9894692
Written by Roberto Ramos Jr., Licensed Florida 2-20 Property & Casualty Insurance Agent
Roberto Ramos Jr. is a licensed Florida 2-20 Property & Casualty insurance agent (License #P111106) and Agent of Record at A & J Insurance Services, an independent insurance agency representing multiple carriers. Since 2007, he has helped Palm Beach County families, drivers, and small business owners compare coverage options and make better-informed insurance decisions.
You can verify this license directly with the state in one click: Florida Department of Financial Services licensee search.
Questions? Call (561) 586-4955 and ask for Roberto.
A & J Insurance Services · Agency License #L051810
Office: 807 Lucerne Ave. East Unit Lake Worth Beach, FL 33460
The following sources were used to verify the facts, statistics, and legal information on this page. We cite our sources because insurance is a YMYL (Your Money Your Life) topic. The information here directly affects your financial protection.
Florida Statute 627.727 · Motor Vehicle Insurance; Uninsured and Underinsured Vehicle Coverage
Verified that uninsured motorist coverage is offered on policies that provide bodily injury liability, that it is written at limits equal to the bodily injury limits unless lower limits are selected, and that a driver whose limits are less than the injured person’s damages is treated as uninsured for this purpose, which is why Florida UM includes the underinsured driver.
Florida Statute 627.736 · Personal Injury Protection; Required Benefits
Verified the Personal Injury Protection mechanics this page states: 80% of medical expenses and 60% of lost income paid from a single $10,000 benefit, the 14-day initial treatment requirement, and the $2,500 medical limit when no emergency medical condition is determined.
Florida Statute 627.737 · Tort Exemption; Injury Threshold
Verified Florida’s injury threshold, the categories that open non-economic damages such as pain and suffering: significant and permanent loss of an important bodily function, permanent injury within a reasonable degree of medical probability, significant and permanent scarring or disfigurement, and death.
Florida Statute 627.732 · Definitions
Verified that the no-fault law defines a motor vehicle as a self-propelled vehicle with four or more wheels, which is why Personal Injury Protection does not attach to motorcycles and why a rider’s own first-dollar treatment works differently.
Florida Statute 324.032 · Financial Responsibility; For-Hire Passenger Vehicles
Verified the required limits for taxicabs stated on this page: $125,000 per person, $250,000 per incident, and $50,000 for property damage.
Florida Statute 324.023 · Financial Responsibility for Bodily Injury or Death (DUI)
Verified the FR-44 coverage levels after a DUI conviction: $100,000 per person, $300,000 per crash, and $50,000 for property damage, maintained for three years.
Florida Department of Highway Safety and Motor Vehicles (FLHSMV) · Insurance Requirements
Verified Florida’s registration requirement of $10,000 Personal Injury Protection and $10,000 Property Damage Liability, that bodily injury liability is not on that list, and the SR-22 and FR-44 certificate framework: filings made by the insurer with the state, with the coverage behind each depending on why the license was suspended.
Florida Department of Financial Services · CFO Personal Automobile Insurance Overview
Verified the plain-English roles of the coverages this page compares: bodily injury liability, property damage liability, Personal Injury Protection, Medical Payments, and uninsured motorist coverage.
This page is provided for informational and educational purposes only and reflects Florida insurance standards as of the review date. Roberto Ramos Jr., Florida Licensed 2-20 Property & Casualty Insurance Agent, and A & J Insurance Services provide insurance information and insurance-related services only; we do not provide legal, tax, or financial planning advice. For advice about accident liability, lawsuits, settlements, or any legal matter, consult a licensed attorney. Coverage terms, availability, and requirements may vary by insurer, policy language, and individual circumstances.
