Clifton & Lewis Insurance Group, INC
14507 7th St, Dade City, FL 33523
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14507 7th St, Dade City, FL 33523
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12214 US Highway 301, Dade City, FL 33525
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13703 Wineberry Dr, Dade City, FL 33525
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Learn about insurance coverage options specific to Dade City residents.
Through June 30, 2026, you need $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Starting July 1, 2026, Florida eliminates PIP and instead requires $25,000/$50,000 in bodily injury liability, $10,000 in property damage liability, and $5,000 in medical payments (MedPay) coverage. Make sure to update your policy before the July 2026 deadline.
Under Florida's current no-fault system, your own PIP insurance pays for your medical bills after an accident regardless of who caused it—covering 80% of medical expenses and 60% of lost wages up to $10,000. However, this no-fault system ends July 1, 2026, when Florida switches to a traditional tort system where the at-fault driver's bodily injury liability coverage pays for injuries they cause.
Florida's minimum coverage limits are dangerously low for serious accidents. If you cause an accident that totals a newer vehicle or seriously injures someone, the minimum $10,000 property damage or $25,000 bodily injury limits (after July 2026) won't cover the full damage, leaving you personally liable for the difference. Higher limits and uninsured motorist coverage protect your assets if you're sued or hit by an uninsured driver—about one in five Florida drivers.
Rates are actually decreasing for 2025 after years of increases. Florida's top insurers announced average rate decreases of 6.5%, with State Farm cutting rates 10% and AAA reducing premiums 15%. Rate increases dropped from over 21% in 2023 to just 0.2% for 2025, making this an excellent time to shop for better rates if you haven't compared quotes recently.
Your insurance company will likely convert your policy automatically to meet the new requirements, but you should review the changes rather than accepting them blindly. The transition from PIP to bodily injury liability coverage represents a fundamental shift in how your insurance works, and the automatic conversion may not give you optimal coverage or the best rate. Use this as an opportunity to shop around and customize your coverage.
Yes, absolutely. About 20% of Florida drivers lack insurance, and Dade City's location on US-301 means you're sharing the road with both local and through traffic, increasing your exposure to uninsured drivers. Uninsured motorist coverage pays for your injuries and vehicle damage if an uninsured driver hits you, and costs relatively little compared to the protection it provides.
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