Florida state law requires you to have property damage liability coverage with a lower limit of $10,000 and personal injury protection coverage (PIP) of the same amount. PIP pays for the treatment of injuries to you and your passengers, lost wages and death benefits. If the economic damages are less than PIP coverage, you lose the tort claim.
However, if the economic damages exceed the liability coverage, you are entitled to sue for permanent injury, significant disfigurement or death. This coverage also covers pedestrians hit by a car whose driver is insured. This is often referred to as PIP/PD.
Though it is not mandatory under the state law to buy a minimum coverage for bodily injury liability, you may have to get this if you have been involved in an accident in the past.
Many residents of Florida live in the state for only 6 months. They move to other states during summer and come back only when fall sets in. If you are one of these people, you need to maintain insurance of your car as per Florida laws for as long as the car is registered in Florida. If you don't want to do this, you can cancel your registration before leaving and simply re-register your vehicle again when you return to the state.
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