What satisfies the Florida Financial Responsibility Law for all situations other than DUI?

The correct answer is based on the requirements established by the Florida Financial Responsibility Law, which governs the minimum liability coverage for motor vehicle operators in the state. For most situations, excluding those related to driving under the influence of alcohol (DUI), the law mandates a minimum liability coverage of $10,000 for bodily injury per person, $20,000 for total bodily injury per accident, and $10,000 for property damage. This coverage is often referred to as 10/20/10.

This minimum coverage is intended to protect drivers and others on the road by ensuring that compensation is available in the event of an accident where the insured is at fault. Having these minimum limits helps to provide a basic level of financial accountability for drivers and ensures a measure of protection for the public.

Other coverage options, while they may be higher and provide more extensive protection, do not satisfy the specific minimum requirements set by the Florida Financial Responsibility Law for situations not involving a DUI. Understanding these minimums is critical for anyone preparing for the insurance licensing exam, as knowledge of state laws and regulations is essential for compliance and for providing proper guidance to clients.