Drivers must have a minimum of ____ in both Personal Injury Protection (PIP) insurance coverage and Property Damage Liability (PDL) insurance coverage.
- $20,000
- $10,000 ✓
- $5,000
- $1,000
Answer: B. $10,000
Drivers must carry at least $10,000 in Personal Injury Protection coverage and at least $10,000 in Property Damage Liability coverage.
Why this is the answer
The handbook's no-fault section says Florida requires proof of Personal Injury Protection and Property Damage Liability coverage before you register a car. It then sets the basic minimum at $10,000 for PIP and $10,000 for PDL. That is the figure the question asks for, since it asks about both coverages together. The same passage also says this coverage must stay in force throughout the registration period, but the amount that answers the question is the $10,000 minimum for each policy type.
Why the other answers are wrong
- A. $20,000 — The handbook mentions $20,000 as a bodily injury liability limit in a higher-coverage situation, not as the basic PIP or PDL minimum.
- C. $5,000 — The handbook does not list $5,000 as the PIP or PDL minimum; it states $10,000 for each.
- D. $1,000 — The handbook does not list $1,000 as the PIP or PDL minimum; it states $10,000 for each.
Remember it
Remember it as ten and ten: PIP ten thousand, PDL ten thousand.