Howard Coker | September 12, 2025 | Insurance
When you purchase automobile insurance, the insurance company will issue a declaration page for your policy. This page outlines the details of your policy by showing a summary of your coverage. In Florida, some types of coverage are mandatory while others are optional.
Keep reading below to learn more about automobile insurance declaration pages.
What Does an Automobile Insurance Declaration Page Include?
The declaration page for your automobile insurance policy should be issued as soon as you purchase it. Typically, your insurance company will send you a new declaration page every time you renew or make a change to your coverage.
The declaration page contains a summary of your coverage details, including:
- The effective dates of your coverage
- The details of every vehicle covered, such as the year, make, model, and VIN
- The name of each covered driver
- The name(s) of any excluded drivers
- The amount of Personal Injury Protection (PIP) coverage (mandatory)
- The amount of property damage liability coverage (mandatory)
- The amount of bodily injury liability coverage (optional)
- The amount of collision and comprehensive coverage (optional)
- The amount of medical payments coverage (optional)
- The amount of uninsured/underinsured motorist coverage (optional)
If you are involved in an accident, you can easily reference your declaration page to determine your coverage details. If you cannot locate your declaration page with your policy, you should contact your insurance company to obtain a copy.
What Type of Automobile Insurance Is Required in Florida?
Florida is a no-fault auto insurance state. This means that you typically cannot sue the other driver after a car accident. Instead, each driver carries their own personal injury protection (PIP) coverage to pay for medical expenses after an accident.
The automobile insurance requirements in Florida are as follows:
- $10,000 in PIP coverage
- $10,000 in property damage liability
These are the only two types of coverage that are required by law in the state of Florida. Additionally, drivers may decide to purchase many other types of coverage. Uninsured motorist coverage is a common type of coverage purchased by many drivers. This type of coverage can help cover both economic damages and non-economic damages after an accident if the other driver has no insurance and your own PIP coverage is insufficient.
If you have a car loan, your lender will likely require you to have both collision and comprehensive insurance coverage. Collision coverage pays for damage to your vehicle after an accident that is your fault. Comprehensive coverage pays for weather-related damage and other similar events.
How Does Insurance Work After a Car Accident in Florida?
After a car accident, you may be seeking compensation for your medical bills, property damages, and other expenses. Since Florida is a no-fault state, you would file a claim with your own PIP coverage for your injury-related damages.
This type of coverage generally pays for 80% of your medical expenses and 60% of your lost wages after an accident, regardless of who is at fault. Often, victims experience losses far beyond the limits of their PIP coverage.
In these cases, you may have the right to sue the at-fault driver for your additional damages. When this happens, you can recover damages, including:
- Emotional distress
- Pain and suffering
- Scarring and disfigurement
- Depression
- Anxiety
- Loss of consortium
- Loss of enjoyment of life
Your lawyer can help you fight to recover all your losses.
Contact a Jacksonville Car Accident Lawyer at Coker Law Personal Injury Lawyers for a Free Consultation
Since the insurance laws in Florida can be complex, it is almost always a good idea to get help from an experienced personal injury lawyer after an accident. We can help you assess all available insurance coverage and seek maximum compensation for your injuries.
Contact Coker Law Personal Injury Lawyers or call (904) 356-6071 today to arrange a free consultation with a Jacksonville car accident attorney.
For more information, please contact the Jacksonville personal injury law firm of Coker Law Personal Injury Lawyers and schedule a free consultation today.
We serve Duval County and its surrounding areas.
Coker Law Personal Injury Lawyers
136 E Bay St #5438
Jacksonville, FL 32202
(904) 356-6071
Find us with our Geo Coordinates: 30.32569719086265, -81.65515220132858
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ABOUT THE AUTHOR
Attorney Howard Coker is the founder of Coker Law Personal Injury Lawyers. A graduate of the University of Florida College of Law, he has dedicated his career to representing individuals in serious personal injury cases. With more than four decades of courtroom experience and over 350 jury trials, Howard is recognized as one of Florida’s top trial attorneys. His commitment to justice ensure every client receives the strong, personalized representation they deserve. Check our recent case results.
Location: Jacksonville, FL