Florida's Insurance Crisis: The Cost of Inadequate Coverage

The recent column by Leslie Crawford highlights the financial impact following her son Trevor's e-bike accident, which resulted in severe injuries and medical expenses exceeding $400,000. The issue arises from Florida's current insurance laws, which do not mandate drivers to carry liability coverage. Florida is the only U.S. state without such a requirement, affecting individuals involved in accidents where the at-fault party lacks sufficient insurance.

A legislative effort to establish mandatory liability insurance was passed in 2021 but was vetoed by the governor. Another attempt in 2025 did not advance due to anticipated opposition. Currently, Florida law requires only $10,000 in personal injury protection and $10,000 in property damage coverage.

With over 19 million vehicles registered in Florida, approximately 60% lack adequate liability insurance. This leaves individuals vulnerable if they are involved in accidents with the 12 million underinsured drivers in the state. The absence of comprehensive insurance creates challenges for individuals with catastrophic injuries and their families.

For example, a recent case involved a special-needs client sustaining permanent injuries from a vehicle accident with over $700,000 in medical bills. The at-fault driver had only a $25,000 liability policy, limiting compensation. Uninsured motorist coverage is crucial in such scenarios, as it compensates what would have been owed if the responsible driver had sufficient insurance.

In one case, a client rear-ended by a county vehicle faced substantial medical costs. A sovereign immunity cap initially constrained recovery, but the client possessed $1.5 million in uninsured motorist coverage, ensuring full compensation.

Ensuring adequate insurance coverage is vital for all drivers. Those causing accidents without sufficient coverage may face significant financial exposure. The insurance industry emphasizes the importance of both mandatory liability requirements and the benefits of carrying adequate uninsured and umbrella coverage. A minimum of $250,000 in liability and uninsured motorist coverage, along with $500,000 in umbrella coverage, offers substantial protection. This approach reflects a commitment to personal and societal responsibility.

William E. Robertson Jr. is a seasoned attorney based in Sarasota with over 41 years of experience in the legal profession.