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
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