It is mandatory for all drivers since January 1, 2008. Florida is among the 12 states that follow the no-fault insurance laws, and under the no-fault insurance laws, all the drivers must follow a certain set of rules like $10000s coverage law. And hence the second option is not the correct option which states $5000s. And its $10000s. And it's true for all ages and not 21. And it is never optional. Hence, the first option is the correct option.
