What type of insurance is mandatory in Florida?

In Florida, the mandatory insurance coverage required for drivers consists of Personal Injury Protection (PIP) and Property Damage Liability (PDL). PIP is designed to cover medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who was at fault. This ensures that individuals receive prompt medical attention without having to rely solely on fault-based claims, which can often be time-consuming.

Property Damage Liability covers damages that you may cause to another person's property in an accident. This is crucial for protecting yourself from legal and financial repercussions if you accidentally damage someone else's vehicle or property.

The combination of PIP and PDL provides a basic level of security for drivers while prioritizing the welfare of all parties involved in a collision. Other types of insurance mentioned in the incorrect options, such as comprehensive and collision insurance, while beneficial, are not mandated by Florida law for all drivers. Thus, the focus on PIP and PDL ensures that adequate coverage is in place to protect both the driver and others on the road.