Pedestrians, cyclists and passengers. Florida PIP generally follows the person, not the vehicle. If you were hit while walking or biking, your own PIP or a household member's policy may pay first, and in some cases the PIP on the vehicle that hit you. Motorcycles are excluded from PIP, so riders rely on the at-fault driver's coverage, their own uninsured motorist coverage and their health insurance.
Commercial vehicles and rideshares. Interstate trucking companies must follow federal safety rules on driver hours, inspections and maintenance, and most interstate freight carriers must carry at least $750,000 in liability coverage. Under Florida law, Uber and Lyft must provide $1 million in coverage while a passenger is on a trip, with lower limits when the app is on but no ride is matched.
Vehicle owners and employers. Florida's dangerous instrumentality doctrine can make a vehicle's owner responsible when someone they allowed to drive causes a crash, and an employer can be liable for an employee driving on the job. That can add coverage when the driver's own policy is small.
Fault and serious injury. Since 2023, your recovery is reduced by your share of fault, and you recover nothing if you're found more than 50% at fault. To claim pain and suffering, Florida requires a permanent injury, significant and permanent scarring or disfigurement, a significant and permanent loss of an important bodily function, or death.