Before obtaining a license plate, what insurance coverage must vehicle owners in Florida purchase?

In Florida, vehicle owners are required to purchase specific types of insurance coverage before obtaining a license plate. The correct choice highlights the necessity of both Property Damage Liability and Personal Injury Protection (PIP) coverage with a minimum of $10,000.

Property Damage Liability insurance is essential as it covers damages to another person’s property caused by the insured vehicle. This requirement ensures that vehicle owners can fulfill their financial responsibilities in case of an accident where they are at fault.

Personal Injury Protection (PIP) is also mandated under Florida law. It provides coverage for medical expenses and lost wages for the policyholder and passengers injured in an accident, regardless of who is at fault. The $10,000 minimum coverage for PIP ensures that individuals have some level of financial protection in the event of an auto-related injury.

The context of the other answer choices provides clarity on the requirements laid out by Florida law. For instance, lower dollar amounts for PIP coverage would not meet the legal obligations, and comprehensive coverage, while a useful addition for broader protection, is not required to obtain a license plate. The legislation aims to provide adequate protection for all motorists and ensure responsible driving on the roads.