Bodily injury coverage infographic explaining how BI insurance protects your assets, medical costs, and legal expenses after an at fault accident.

Why Florida Drivers Should Carry Bodily Injury Coverage

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April 14, 2026•1 min read

Reviewed by Michael P. Maddux, Esq. | Board Certified Criminal Trial Lawyer | Florida Super Lawyer for 16 Consecutive Years

While Bodily Injury (BI) coverage is not always required for every driver in Florida, it is an important form of protection that should not be overlooked. If you are found at fault in an accident where another person is injured, BI coverage helps pay for their medical expenses, lost wages, and potential legal costs associated with a claim.

Without this coverage, you could be personally responsible for these expenses, which can quickly become overwhelming. Medical bills, ongoing treatment, and legal fees can add up fast, putting your financial stability at risk.

Having Bodily Injury coverage provides an added layer of financial protection, helping safeguard your assets and offering peace of mind in the event of a serious accident.

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