Florida law requires every motorist to have a minimum of $10,000 in personal injury protection (PIP) insurance coverage. This coverage will compensate car accident victims regardless of who was to blame for the accident. However, while you are required to pay for $10,000 of personal injury protection coverage, you are actually limited by Florida law to only $2,500 of that $10,000 – unless you suffer what the law calls an “emergency medical condition,” or EMC.