What kind of insurance is required for drivers in Florida?

In Florida, drivers are required to carry specific types of insurance to ensure they can cover certain costs related to accidents. The correct requirement is Personal Injury Protection (PIP) and Property Damage Liability (PDL).

PIP insurance covers medical expenses for injuries that you and your passengers sustain in a car accident, regardless of who is at fault. This is particularly important in Florida as it allows for quicker access to medical benefits without the need for lengthy legal processes.

Property Damage Liability is meant to cover damages you may cause to another person's property in an accident. This ensures that if you are at fault, the financial burden of repairing or replacing the damaged property is covered.

Other options, such as collision coverage and comprehensive coverage, are not mandated by law. They are more supplemental insurance types that may be beneficial but do not meet the minimum legal requirements set by Florida law. Liability insurance alone focuses primarily on damage caused to others, but without PIP, it does not fulfill the protections needed for injuries to oneself. Thus, the combination of PIP and PDL provides a more comprehensive safety net for drivers in Florida.