Florida Insurance Requirements: PIP & PDL
4 min read
Florida is a no-fault state, which means every driver must carry specific minimum insurance coverage. The Class E exam tests the coverage amounts and the proof-of-insurance rules, so the numbers matter.
Florida’s No-Fault System
Florida requires every owner or person in charge of a motor vehicle to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) insurance. Under the no-fault system, your own insurance pays for your medical expenses after a crash, regardless of who was at fault, up to your coverage limits.
The minimum required coverage is $10,000 in PIP and $10,000 in PDL. Both figures are tested, and the $10,000 amount is the one to remember.
Proof of Insurance
You must provide proof of valid PIP and PDL insurance at the time of vehicle registration, and you must maintain the insurance continuously throughout the registration period.
You must always have proof of valid Florida insurance readily available when driving. If you are stopped and cannot show proof, you face fines and possible suspension of your license and registration.
Consequences of Driving Uninsured
Driving without the required insurance can result in fines, suspension of your driver license and vehicle registration, and the requirement to pay a reinstatement fee. If you are involved in a crash without insurance, you are personally responsible for damages and medical costs.
The exam focuses on the coverage amounts and the requirement to carry proof. Know that PIP covers medical expenses and PDL covers property damage, and that both minimums are $10,000.