Florida requires every registered vehicle to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). These two coverages form the bare legal minimum to drive in Florida, but they provide very limited financial protection.
Florida's minimums do not require bodily injury liability (BIL), collision coverage, comprehensive coverage, or uninsured motorist coverage. This means that with minimum coverage, if you seriously injure another driver, you have no insurance to pay their medical bills. If your car is damaged, you have no coverage for your own repairs. And if an uninsured driver hits you, you have no protection beyond your $10,000 PIP limit.
A properly protective Florida auto policy includes bodily injury liability (at least 100/300), property damage liability (at least $50,000), PIP at the required $10,000, uninsured motorist coverage matching your BI limits, and collision and comprehensive if your vehicle has significant value.
Meeting the minimum keeps you legal. It does not keep you protected. At Truscott, we build Florida auto policies that protect your health, your vehicle, and your financial future — not just check a box. Request a Truscott coverage review and we will show you what proper Florida auto coverage looks like and what it costs.
Learn what Florida Property Damage Liability covers, why the $10,000 minimum is dangerously low, and how to protect yourself properly.
Auto InsuranceUnderstand what Florida Personal Injury Protection covers, how the 14-day rule works, and what PIP does and does not pay for after an accident.