3 Changes to Make to Your Florida Car Insurance in 2025
With evolving laws, rising repair costs, and a growing number of vehicles on the road, 2025 is the perfect time to review and update your car insurance policy in Florida. Reviewing your car insurance policy ensures that you have adequate protection for your current needs and circumstances. In this article, our accident attorneys share three changes every Floridian should make to their car insurance policy in 2025.
1. Increase your liability coverage limits
Florida is a no-fault state, but the minimum required coverage for property damage liability ($10,000) and personal injury protection (PIP) may no longer be sufficient in 2025. With vehicle repair costs skyrocketing and medical expenses at an all-time high, increasing your liability coverage limits can protect you from out-of-pocket expenses if you’re at fault in an accident. A good rule of thumb is to carry at least $100,000 per person and $300,000 per accident in bodily injury liability coverage to ensure peace of mind.
2. Add or increase Uninsured/Underinsured Motorist Coverage
Florida has one of the highest rates of uninsured drivers in the country. If you’re involved in an accident with an uninsured or underinsured driver, their lack of coverage could leave you footing the bill for medical expenses and repairs. Uninsured/underinsured motorist (UM/UIM) coverage is essential for protecting yourself in these scenarios. This affordable add-on can cover medical bills, lost wages, and even pain and suffering if the at-fault driver doesn’t have enough insurance to cover your damages. If you already have UM/UIM coverage, consider increasing the coverage limits to better protect you if you are ever involved in an accident with an uninsured driver.
3. Evaluate your comprehensive and collision coverage
In 2024, Florida was hit by several large hurricanes and tornadoes. As weather patterns shift and natural disasters become more frequent, having comprehensive coverage is more important than ever. This policy protects your car against non-collision-related damage, such as floods, hail, and fallen trees. Additionally, review your collision coverage to ensure you’re covered for accidents, regardless of fault. If your car has increased in value, make sure your policy reflects its current worth to avoid gaps in coverage.
Ensure you’re protected in 2025
Updating your car insurance policy is a proactive way to protect yourself, your vehicle, and your financial future. By increasing liability limits, adding uninsured motorist coverage, and ensuring you have comprehensive and collision protection, you’ll be better prepared for the realities of driving in Florida in 2025. Not sure where to start? Speak with your insurance agent to tailor a policy that meets your needs and keeps you covered, no matter what the road ahead brings.
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If you’ve been injured in a car accident in Gainesville, Ocala, Lake City, Jacksonville, The Villages, or surrounding areas, calling Avera & Smith can make all the difference in protecting your rights and securing the compensation you deserve. With over 70 years of experience handling personal injury cases, we’ve recovered millions of dollars for our clients injured in serious auto accidents. Our car accident attorneys not only fight to hold negligent parties accountable but also help you navigate the complexities of insurance claims to ensure you’re not left footing the bill for medical expenses, lost wages, and other damages.
Take the first step. Request a free case review through our online form or call 800-654-4659 to speak with one of our attorneys.