Every owner or registrant of a motor vehicle is required to purchase $10,000 of property damage liability insurance, as well as PIP insurance. A $30,000 combined limit of property damage and bodily injury liability is a legal option. This coverage pays for damage you or members of your family cause to other people’s property while driving. The term “property” may include a fence, telephone pole or building, as well as another car. Coverage applies even if you drive someone else’s car. Depending on the terms and conditions of your insurance policy, it may also include anyone else who uses your car with your permission.
 § 324.021(9)(b)3., Fla. Stat.