In Florida you are required to have $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL) coverage.

Personal Injury Protection is designed to cover you, up to your PIP limits, if you have been injured in an auto accident, regardless of fault. A typical PIP policy pays 80% of medically necessary expenses, 60% of lost wages and 100% of replacement services such as child care and $5000 for death benefits.

You can amend or extend your PIP to increase medical expenses to 100% and lost wages to 80% or increase your minimum limits from $10,000 to $20,000 or more. With higher PIP limits the coverage you, and members of your household who do not own a vehicle of their own and certain licensed passengers who drive your vehicle with your permission, would be covered up to this new extended limit instead of the normal lower limit of $10,000.

Please review the last update date at the bottom of this question. Florida's PIP laws are changing.