An SUV crashed into the rear of another vehicle. In 2021, the state legislature voted, almost unanimously, to repeal the no-fault insurance law and replace it with a modern mandatory bodily injury law. But in June 2021, Florida Gov. Ron DeSantis vetoed the bill. (Credit: Piyawat Nandeenopparit/Shutterstock) In 2021, the state legislature voted, almost unanimously, to repeal the no-fault insurance law and replace it with a modern mandatory bodily injury law. But in June 2021, Florida Gov. Ron DeSantis vetoed the bill. (Credit: Piyawat Nandeenopparit/Shutterstock)

Unlike most states, Florida does not require drivers to purchase bodily injury liability insurance. Bodily injury is the auto insurance that is used to compensate a person if a driver negligently injures someone while operating a car. Florida law merely requires that a driver be "financially responsible" for any injury they cause while operating their vehicle — not to actually have insurance to pay for it. No, I am not kidding.

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