As a personal injury lawyer, accident attorney, I can tell you, insurance is of utmost importance if you are involved in a serious accident with injuries, no matter who causes the crash.
Whether Bodily Injury Liability coverage is required or not, has two main areas of discussion. Here is the info:
1. Bodily Injury Liability (BI) coverage is not required to legally drive an automobile in the state of Florida. However, it can be if you have been convicted of a DUI. Under Florida Statue 324.023, Financial responsibility for bodily injury or death, you must have bodily injury insurance if you are convicted of a DUI. If you were convicted on or before October 1, 2007, the minimum requirement is $10,000 per person and $20,000 per incident. If you were convicted after October 1, 2007, the minimum required is $100,000 per person and $300,000 per accident. According to the Statute you must have BI coverage for a period of 3 years after the return of your driving privileges.
2. If you choose to drive without BI coverage, it is important to know that Florida has a Florida Financial Responsibility Law which requires that a person, who is at fault for an accident, must provide financial coverage of at least $10,000 per person and $20,000 per accident. Meaning, if you cause an accident which results in bodily injuries to another person(s), you must either have BI insurance or post a bond for the required amount of coverage. If this "responsibility" is not met, loss of your driving privileges can result. You will also be required to make financial arrangements to pay for any judgment against you for property damage and/or bodily injuries before you can get your driver's license reinstated.
As an accident lawyer that has seen the devastation caused by not being adequately covered, I suggest not only having bodily injury liability but having more than the minimum to fully protect yourself and your assets. I recommend a minimum of $100,000 per person and $300,000 per accident.