Florida auto insurance laws require all drivers to carry property damage liability and personal injury protection (PIP) policies. Property damage liability covers the damage you cause to another's property, and you must carry a minimum of $10,000 in coverage. PIP covers your injury-related expenses, regardless of who was at fault in the accident. Covered benefits include some compensation for necessary medical expenses, lost wages, lost services, and funeral expenses.

$10,000 worth of PIP is required, although you may be able to increase your benefits by purchasing more. Some drivers may choose to decrease their premium by applying a deductible to the coverage or by excluding the loss of wages benefit.

Florida auto insurance laws may also require that Florida drivers with previous accidents or violations may be required to carry bodily injury liability. This coverage helps pay for the cost of injuries you cause to another in an auto accident.

Bodily injury liability (BIL) coverage in Florida carries a minimum of 10/20. (That's $10,000 per person for injuries you cause to the other party, up to $20,000 total.) Drivers who aren't required by law to purchase BIL are strongly urged to consider doing so for their own financial protection.

Florida auto insurance companies also offer optional coverage such as collision, comprehensive, and uninsured and under-insured motorists' coverage.