Reader’s Question:

Is the auto coverage insurance in California the same with Florida?

Mike

Los Angeles, CA

No. There are relative differences.

California follows a Tort system, where one must be found to be at fault to be the one responsible for all the damages. Tort system is different from state to state. Florida follows No-Fault system, where regardless of fault, the insurance company will make payments up to a limit.

Uninsured/Underinsures Motorist Bodily Injury coverage is not required both in Florida and California.

Limits in California for Bodily Injury Liability is $15,000 / $30,000 while $5,000 for Property Damage Liability. Aside from Property Damage Liability (PD), Florida requires Personal Injury Protection (PIP) as basic coverage referred to as a PIP/PD with the following coverage: $10,000 limit for PD and $10,000 limit for PIP. PIP helps pay for reasonable medical expenses.