When a driver in Florida has only minimum liability coverage, what could be a potential gap in coverage?

Having only minimum liability coverage in Florida can create significant gaps in coverage, particularly when it comes to losses exceeding the covered limits. Minimum liability coverage typically refers to the state-required levels that cover damages to others in accidents where you are at fault. If the costs associated with an accident—such as property damage, medical expenses for other parties, or any liability claims—exceed these minimum limits, the driver would be personally responsible for paying the additional amounts.

This means that any expenses beyond what the minimum liability coverage pays are out-of-pocket for the driver, potentially leading to substantial financial hardship. Since Florida's minimum limits may not be adequate in today's world where medical and vehicle repair costs can be very high, this gap can result in significant financial exposure for a driver relying solely on minimum liability coverage.

In contrast, while the other options relate to different aspects of coverage, they don't specifically address the essential risk posed by insufficient liability limits. For example, injuries to pedestrians, towing, rental car expenses, and legal representation costs may or may not be included in varying types of policies or coverages but they do not inherently highlight the problem of exposure faced when accidents cause damages that exceed the coverage limits in place.