Florida’s ordinary registration-based insurance system is not a conventional 10/20/10 bodily-injury mandate. A registered private vehicle generally must maintain $10,000 of personal injury protection and $10,000 of property-damage liability. Bodily-injury financial responsibility is governed separately under Chapter 324 and may become mandatory after specified crashes, judgments, convictions or other triggering events.

• PIP generally provides up to $10,000 in medical and disability benefits, subject to statutory conditions and limitations.
• Property-damage financial responsibility is generally $10,000 per crash.
• Chapter 324 defines ordinary proof of financial responsibility for bodily injury as $10,000 per person and $20,000 per crash, with separate property-damage requirements, when proof is required.
• Do not assume every Florida policy contains bodily-injury liability coverage; verify the declarations page.

Primary Florida Sources

• Fla. Stat. § 324.022 — Property Damage Financial Responsibility
• Fla. Stat. § 627.736 — PIP Benefits

Current-law review: September 16, 2026. Florida registration requirements, PIP, property-damage liability and bodily-injury financial responsibility should be analyzed separately.