Quote:
Originally Posted by Normal
Clarified… straight from Florida Highway Safety and Motor Vehicles
Any vehicle with a current Florida registration must:
Be insured with PIP and PDL insurance at the time of vehicle registration.
have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL.
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Yes, you must carry car insurance in Florida, those are the minimums, and you have the skills to cut and paste from a website.
Perhaps I misunderstood your recommendation above. It seems to imply that since your vehicle has a low value, the minimum PDL would suffice. However, the $10,000 PDL does not apply to your vehicle, it covers damages caused to someone else's property:
PDL coverage pays for damage to another person’s property caused by you or someone else driving your insured vehicle.
So unless you are careful to only have an accident with another five year old car with a replacement value of $10,000 or less, the minimum coverage would not be sufficient and could lead to an uncomfortable situation.
Personally, I like the idea of a higher PIP available too in case I ever need it.