We assume you are in Florida and discussing the recent changes to the laws. Yes, you will normally be required at least the state minimum liability coverages on your vehicle.

You did not note what state you are located in so you should check with the local Department of Motor Vehicles or the insurance regulator for your state to determine the type of insurance and minimum limits you need to maintain.

You mentioned PIP, so if you live in Florida and are asking because of the PIP (no-fault) law that sunset as of October 1, 2007 then yes, you do still need property damage liability coverage on your vehicle. Property damage alone is needed until the end of 2007 and then PIP is once again required as of January 1, 2008.

Drivers must continue to purchase at least $10,000 of property damage liability to register a car in Florida. As of Jan 2008 Florida drivers will again be required to buy at least $10,000 of personal injury protection, PIP, which pays medical bills for a policyholder regardless of who is at fault.

Between October 2007 and January 2008 if you are in an accident with bodily injuries in Florida and both drivers carry PIP coverage then the no-fault system will apply. This means each driver collects their own PIP benefits, regardless of who caused the accident.

If however one or both drivers do not have PIP then police on the scene will help assign fault for the accident. If there is a dispute, the courts will decide because the injured party can sue the other person if they feel the accident was that driver's fault.

We hope we have cleared up any PIP confusion.