Which of the following scenarios would require a Florida driver to have higher liability coverage than the minimum required?

The scenario where a Florida driver would require higher liability coverage than the minimum required is when they own high-value vehicles. This is because higher-value vehicles generally have more significant financial implications in the event of an accident, including potential repair costs, replacement costs, and the likelihood of higher legal liabilities due to the value of damages that could be inflicted.

In such cases, minimum coverage might not adequately protect the driver’s assets or cover the full extent of damages incurred, leading to a greater risk of substantial out-of-pocket expenses. Therefore, having higher liability insurance is a prudent choice for those who own vehicles that are more expensive to repair or replace, ensuring they are sufficiently covered against potential legal claims and financial losses.

Other scenarios may have implications for insurance but do not inherently require a higher liability coverage based solely on the conditions presented, unlike the clear financial justification tied to owning high-value vehicles.