Florida Law requires that motorist carry a minimum of $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL) if you own a motor vehicle in Florida.

Property Damage Liability (PDL) covers for certain damage, up to the limit of the policy, that you or anyone covered under your policy cause to another person’s probably through the use of an automobile. The PDL coverage is only for damage which you or those insured under your policy are legally liable for. In Florida the term property is not limited to another vehicle but can also include a fence, building or pole.The terms of your policy will determine whether your PDL coverage will apply to anyone using your vehicle or just those named on your policy.

Your PDL coverage covers another person’s vehicle or property when you are at fault for damaging it. So if your vehicle is damaged in an accident which the other driver is found to be at fault for, you can place a claim through their PDL insurance. If your vehicle is hurt and you are at fault, you would need to have collision coverage on your vehicle in which to make a claim with your own insurance company.

Charles