Which Florida law requires motor vehicle insurers to offer PIP coverage?

The correct answer is Florida Statute 627.736, which specifically mandates that motor vehicle insurance policies must include Personal Injury Protection (PIP) coverage. PIP is designed to provide medical and related benefits to insured individuals regardless of who is at fault in an accident, promoting prompt medical attention and financial support for those injured.

This statute reflects Florida's no-fault insurance system, which aims to reduce litigation arising from car accidents and ensure that individuals can access necessary medical care swiftly. Consequently, insurers are required to offer this coverage as part of the standard auto insurance policy.

Understanding this law is crucial for anyone involved in the motor vehicle insurance industry in Florida, as it outlines the obligations of insurers to protect consumers and provides a framework for the benefits available to policyholders. Other statutes mentioned may pertain to different aspects of insurance but do not specifically address the requirement to offer PIP coverage.