What is the minimum liability coverage required for auto insurance in Florida?

In Florida, the minimum liability coverage required for auto insurance is specifically set at $10,000 for property damage liability and $10,000 for personal injury protection (PIP). This is mandated by Florida law, which aims to ensure that drivers maintain a certain level of financial responsibility in case of an accident.

Personal injury protection is essential because it covers medical expenses and lost wages for the policyholder and others injured in an accident, regardless of who is at fault. Meanwhile, property damage liability addresses damages caused to other people's property as a result of an accident.

Understanding these minimum requirements is crucial for any driver in Florida to ensure they are legally compliant and adequately protected. The specified amounts also reflect Florida's approach to auto insurance, which prioritizes immediate medical coverage for injured parties.