The Florida senate is considering a bill to replace the states antiquated PIP no fault insurance law and instead implement mandatory bodily injury liability insurance. At the present time Florida residents are not required to carry mandatory bodily injury insurance coverage which would cover liability for injury to another driver or pedestrian as a result of negligent operation of a vehicle. The only coverages required at this time in Florida are PIP and property damage (damage to the other persons vehicle).  

The Senate Banking and Insurance Committee voted to support the measure (SB 7152), and would abolish the current PIP law and require bodily injury coverage instead.

In the past Insurance companies opposed mandatory BI but may be having a change of heart after the mess that the new PIP law has created. Insurance companies were supposed to lower insurance rates however rates haven't gone down and fraud is still prevalent.

Most of the states do not have no-fault laws, and only 12 states do have PIP or no fault laws. At this moment, the District of Columbia and the following 12 states have adopted some form of "no fault" automobile insurance laws: Florida, Kentucky, Kansas, Hawaii, Michigan, Massachusetts, New Jersey, Minnesota, New York, Pennsylvania, Utah and North Dakota

Below is a summary of what coverages are required on a state by state basis. As you can see, Florida is one of the only states that does not require mandatory bodily injury liability coverage besides New Hampshire. In the list below BI means bodily injury liability coverage, PD means property damage, UM means uninsured motorist coverage, and PIP means personal injury protection coverage. It seems timely that Florida join the rest of the states and do away with "no fault" and implement mandatory bodily injury coverage.

Alabama BI & PD Liab

Alaska BI & PD Liab

Arizona BI & PD Liab

Arkansas BI & PD Liab, PIP

California BI & PD Liab

Colorado BI & PD Liab

Connecticut BI & PD Liab, UM, UIM

Delaware BI & PD Liab, PIP

District of Columbia BI & PD Liab, UM

Florida PD Liab, PIP

Georgia BI & PD Liab

Hawaii BI & PD Liab, PIPIdaho BI & PD Liab

Illinois BI & PD Liab, UM

Indiana BI & PD Liab

Iowa BI & PD Liab

Kansas BI & PD Liab, PIP, UM

Kentucky BI & PD Liab, PIP

Louisiana BI & PD Liab

Maine BI & PD Liab, UM, UIM

Maryland BI & PD Liab, PIP, UM, UIM

Massachusetts BI & PD Liab, PIP, UM

Michigan BI & PD Liab, PIP

Minnesota BI & PD Liab, PIP, UM,UIM

Mississippi BI & PD Liab

Missouri BI & PD Liab, UM

Montana BI & PD Liab

Nebraska BI & PD Liab

Nevada BI & PD Liab

New Hampshire FR only, UM

New Jersey BI & PD Liab, PIP, UM, UIM

New Mexico BI & PD Liab

New York BI & PD Liab, PIP, UM

North Carolina BI & PD Liab, UM, UIM

North Dakota BI & PD Liab, PIP, UM, UIM

Ohio BI & PD Liab

Oklahoma BI & PD Liab

Oregon BI & PD Liab, PIP, UM

Pennsylvania BI & PD Liab, PIP

Rhode Island BI & PD Liab, UM8

South Carolina BI & PD Liab, UM

South Dakota BI & PD Liab, UM

Tennessee BI & PD Liab

Texas BI & PD Liab

Utah BI & PD Liab, PIP

Vermont BI & PD Liab

Virginia BI & PD Liab, UM, UIM

Washington BI & PD Liab

West Virginia BI & PD Liab, UM

Wisconsin BI & PD Liab, UM, UIM

Wyoming BI & PD Liab 25/50/20

auto insurance, bi, bodily injury insurance, florida house, florida pip law, florida senate, mandatory bi, PIP

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