Under Florida law, all drivers with vehicles registered in the state are required to carry a minimum of $10,000 in Personal Injury Protection [PIP] coverage, which may cover 80 percent of medical bills, 60 percent of lost wages, and $5,000 in death benefits. A minimum of $10,000 in property damage [PD] coverage is also required. Insurers who sell insurance in Florida must also offer coverage against personal injury in accidents involving uninsured drivers, but this coverage is not required by law and may be waived. Bodily injury liability, which covers injury to others when you are legally responsible for the accident, also is not required with the following exception: The Florida Financial Responsibility Law requires that any person at fault in a crash resulting in bodily injury and property damage to others must have in effect at the time of the crash full liability insurance coverage including minimum limits of bodily injury liability of $10, 000 per person, $20, 000 per crash, $10, 000 PD liability per crash, and PIP limits of $10, 000 per person per crash.