In Florida, the bare minimum auto insurance requirement—commonly called PIP/PD—might meet the legal standard, but it leaves you dangerously exposed. If you're carrying only Personal Injury Protection (PIP) and Property Damage Liability (PD), you're gambling with your financial future every time you get behind the wheel.
Let’s break down why a PIP/PD policy simply isn’t enough—and what you really need to protect yourself, your family, and your assets.
1. It Doesn't Cover Injuries to Others
PIP pays for your own injuries (up to $10,000) regardless of who caused the accident. PD covers damage you cause to other people’s property, but neither covers injuries you cause to others. That means if you're at fault and someone gets hurt, you could be personally sued—and on the hook for tens or hundreds of thousands of dollars.
Translation: You’re one bad day away from financial disaster.
2. $10,000 in Medical Coverage Won’t Go Far
PIP maxes out at $10,000 and may only pay 80% of your medical bills. In a moderate car crash, an ER visit, imaging, and follow-up care can easily top that limit.
What happens next? You’re paying out of pocket.
3. No Protection for Your Own Car
PD doesn’t cover damage to your vehicle. So unless the other driver has Bodily Injury and Property Damage coverage—and isn’t uninsured—you’re left paying for your own repairs.
And in Florida, uninsured drivers are everywhere.
4. You're Legally Liable, But Not Protected
Florida is a no-fault state for injury coverage, but not for lawsuits. If you cause a serious accident, you can still be sued—especially if the injuries go beyond the limits of PIP. Without Bodily Injury Liability (BI), your home, savings, and income could be at risk.
5. Better Coverage Is Often Shockingly Affordable
Many people stick with PIP/PD because they assume better coverage is expensive. But in many cases, increasing your protection—like adding BI, Uninsured Motorist, and Collision—can cost less than a dinner out each month.
A proper policy doesn’t just protect your car—it protects your lifestyle.
Final Thoughts:
You wouldn’t buy half a fire extinguisher or install a front door with no lock. Don’t treat your auto insurance the same way. PIP/PD isn’t a real plan—it’s a legal Band-Aid.
If it’s been more than a year since you reviewed your coverage, or if you’re still carrying a PIP/PD-only policy, let’s talk. Our agency specializes in building affordable, value-packed plans that protect you when it matters most.