In Florida you must obtain certain car insurance to comply with the state required financial responsibility limits. This state law mandated insurance includes minimum coverage of $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) and if you have been involved in a crash, or convicted of certain offenses, you may be required to purchase bodily injury liability coverage (BIL).

The PIP, no-fault, law sunset as of October 1, 2007 however the bill to restore Personal Injury Protection, was signed into law October 11, 2007. The bill to reinstate PIP took effect January 1, 2008. So between October 1, 2007 and December 31, 2007 you could be without PIP in FL, however you would need to have it back on your policy by January 1, 2008 to comply with the new no-fault law. Most companies won't sell a policy without PIP because of the legal protections provided to consumers that have PIP in the interim.

If you choose to get optional coverages above the state minimums, such as physical damage coverages of comprehensive and collision, then your car is better protected but this does not allow you to not purchase PIP and PDL as required by law.

So you cannot obtain full coverage for your vehicle and waive personal injury protection coverage when it is required by FL laws. You must keep this type of insurance on you and the car in order to keep your vehicle registered and properly insured with the state of Florida.

For more information on Florida insurance laws you can contact the Department of Highway Safety and Motor Services (HSMV) or the Florida Department of Financial Services, the insurance regulatory body of FL.