What type of insurance is required by law in Florida?

In Florida, the law mandates that all drivers carry a specific type of insurance known as Personal Injury Protection (PIP) and Property Damage Liability (PDL). This requirement is designed to ensure that drivers are financially responsible for injuries they may cause to others and for damage to other people's property that they may cause while driving.

Personal Injury Protection covers medical expenses and lost wages for the driver and passengers in the event of an accident, regardless of who is at fault. This type of coverage provides essential financial protection and helps reduce the burden on the healthcare system by ensuring that individuals have access to medical care after an accident.

Property Damage Liability, on the other hand, covers any damage that a driver may cause to someone else’s property, such as vehicles, buildings, or other structures. This insurance is crucial for responsible driving, as it ensures that individuals can compensate others for damage caused by their actions on the road.

While comprehensive coverage, liability insurance only, and health insurance for drivers may be useful or beneficial, they do not meet the legal requirements set forth by Florida law. Florida’s insurance laws specifically highlight the necessity of PIP and PDL to protect all parties involved in a vehicle accident.