Understanding Florida InsuranceWhen searching for auto insurance it is important for a driver to know as much as possible about their future protection plan. In the Sunshine State there are several requirements that must be met when signing up for coverage, and since motorists are not allowed to drive uninsured, knowing about these requirements and understanding what they mean is a must. When researching florida auto insurance companies a driver must first know that vehicle owners are required to have a minimum coverage of ,000 for Personal Injury Protection and ,000 for Property Damage Liability. If a driver is involved in an accident or has been convicted of certain offenses, then they must purchase Bodily Injury Liability as well.These insurance requirements may seem confusing at first, but they are designed to ensure that a driver and their car are both protected while on the open road. Personal Injury Protection (PIP) is designed to cover the costs of injury or loss for anyone involved in an accident, regardless of who was at fault. This protection, however, does not stop at the driver; it also applies to bodily injury done to any relatives of the insured person who reside in the same household, as well as any passengers who are present in the vehicle. To further increase the amount of coverage provided, PIP also covers the insured for the cost of injury that may have come while acting as a pedestrian or while riding a bicycle, as long as the damage was done by an automobile. Property Damage Liability (PDL) handles damages caused when a policyholder or a family member who is living in the same household causes damage to another person's property with an automobile.