PDL is the coverage your car insurance provider pay for the damages you caused during a collision.
Bodily Injury Liability is the permanent injury or death you caused during an accident. Typically, your car insurance provider will pay for the damages according to the level of your policy.
If you have a comprehensive car insurance policy in Gainesville, then it will cover it. If you only have a standard car insurance, however, you will have to shoulder the cost.
The type of car you will be driving also impacts your rates. The safer and well-equip your car is, the bigger the chance for you to gain cheaper rates.