Unlike most states, Florida law does not mandate drivers to carry third-party liability car insurance coverage on their vehicles to cover the costs of treating any bodily injury caused in a car accident. Instead, Florida requires drivers to carry a minimum level of auto insurance coverage for personal injury and property damage. This includes $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP covers 80% of all reasonable medical expenses up to $10,000 resulting from a covered injury, regardless of who was at fault for the accident. PDL pays for repairs to the other driver's vehicle and property damage you caused in an accident.