What is the minimum insurance required for Florida drivers?

The minimum insurance required for Florida drivers is $10,000 for personal injury protection (PIP) and $10,000 for property damage liability (PDL). This requirement is established to ensure that drivers can cover at least some of the costs associated with accidents and injuries. Personal injury protection helps cover medical expenses and lost wages for the policyholder and their passengers, regardless of who is at fault in an accident. Property damage liability is essential for paying for damages to another person's property that you may cause while driving.

Having this specific minimum coverage is crucial for maintaining safety on the road and protecting both drivers and other individuals in the event of an accident. It helps ensure that there are financial resources available to handle the immediate costs associated with vehicular accidents in Florida.