Your girlfriend would need Bodily Injury (BI) Liability coverage for injuries of those in another vehicle to be covered. Florida is a no-fault state so usually those injured by the person test driving your girlfriend's car would be covered by their own Personal Injury Protection (PIP) coverage. If the injuries were severe though and exceed their PIP than BI Liability coverage would be needed by your girlfriend to cover their injuries.

Your girlfriend's 10/10 coverage is for what you said PIP coverage of $10,000, which covers her if she is injured in an accident and the other 10,000 pays for Property Damage (PD) Liability coverage. So the car that the person test driving the car damaged would be covered by this PD coverage up to $10,000 of damage.

In Florida vehicle owners or operators may be required to carry two types of insurance. The first type of auto insurance is detailed in the Florida Motor Vehicle No-Fault Law (sections of Ch. 627 of the Florida Statutes). Here it requires every person who registers a vehicle in Florida to carry Personal Injury Protection (PIP) and Property Damage Liability insurance (PDL) on the vehicle.

The FL No Fault law states that any person who has a car in Florida for more than 90 days during the preceding 365 days, resides in Florida, is employed in Florida or has children in school in Florida must purchase Personal Injury Protection ($10,000) and Property Damage Liability coverage ($10,000), so the 10/10 coverage your girlfriend had.

These insurance coverages provide compensation for insured drivers’ physical injury regardless of who is at fault in an accident and for property damage to others when an insured driver is at fault.

The second type of auto insurance is listed under the Financial Responsibility Law (Ch. 324 of the Florida Statutes). Here Florida requires motorists to carry additional Liability insurance if they have caused accidents involving bodily injury or have been convicted of certain offenses, such as driving under the influence.

Thus in FL if the insured is involved in an accident, the Financial Responsibility Law, regulated by the Department of Highway Safety and Motor Vehicles (HSMV), also requires Bodily Injury Liability coverage ($10,000 Bodily Injury one person, $20,000 Bodily Injury one accident).

Florida insurance in this respect can be confusing. Bodily Injury Liability (BIL) is not required to register your car in Florida, only PIP and PDL are, however it is smart to also carry BIL since if you are in an accident where there are injuries you can then be required by the state to obtain and maintain Bodily Injury insurance on your policy. The minimal amount you can get of BIL is 10/20 or $30,000 combined. Some CarInsurance.com carriers do not sell a policy without Bodily Injury Liability coverage included.

So your girlfriend fulfilled the insurance requirements of the Florida No-Fault insurance law she did not have Bodily Injury Liability insurance which would have fulfilled the Financial Responsibility Law. If the other person was not severely injured than normally they would not need to place a claim against any BI coverage anyway, just use their own PIP coverages.