You register an ordinary private car in Florida, buy a standard insurance policy, and have no special exemption or requirement for higher coverage. Which basic coverage must you maintain?

Correct answer: At least $10,000 each of PIP and property damage liability.

Why

Maintain at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) continuously while the car is registered. PIP pays covered injury benefits regardless of fault, subject to its limits and conditions; PDL covers liability for damage to others’ property. A coverage lapse can lead to license and registration suspension after notice and an opportunity to be heard. Reinstatement can require proof of the required coverage and a reinstatement fee. Additional financial-responsibility requirements may apply after certain crashes or offenses; these basic limits do not erase liability for damage you cause. Approved alternative security and specific exemptions exist, but are outside this scenario.

Verified against Official Florida Driver License Handbook · Basic Florida car insurance · p. 31, 32