Florida Car Insurance Requirements

old map of FloridaThe Sunshine State follows the No-Fault auto insurance laws and requires that any self-propelled vehicle with four or more wheels must continuously insured throughout the time it is licensed and registered in Florida. Motorist must carry and maintain Personal Injury Protection (PIP) at all times while operating an automobile at all times in addition to Property Damage Liability in the following amounts:
  • $10,000 for Personal Injury Protection
  • $10,000 for Property Damage Liability
The way that the No-Fault system works is that by requiring motorists to be covered by a policy that includes PIP, the policyholder will be compensated for injuries resulting from a traffic accident by their insurer regardless of who is found to be at fault up to the limits of the policy; no fault car insurance is intended to help keep courtrooms free from traffic cases and ensure that compensation is in place for those who are injured.

Property damage liability will pay for any unintentional damages that is caused by the insured while operating their automobile up to the policy's limits; this covers damage to a third party's property such as vehicles, poles, fences, etc. The above mentioned limits are the minimum required, but under certain circumstances some motorists may need to purchase more extensive coverage.

Individuals who have have been convicted of certain traffic violations or have an uninsured accident and/or cannot pay for damages will need to carry more than the minimum requirements and may have to obtain and provide proof of Florida auto insurance in the following amounts:
  • $10,000 for bodily injury to one person
  • $20,000 for bodily injury per accident
  • $10,000 for property damage liability or
  • a combined single limit of $30,000 per accident
Motorists who have been found guilty of or have plead no contest to driving under the influence of drugs and/or alcohol (DUI) must purchase even more extensive coverage with the following limits:
  • $100,000 for bodily injury to one person
  • $300,000 for bodily injury to per accident
  • $50,000 for property damage
These drivers have the option of posting a bond or certificate of $350,000 instead of purchasing a car insurance policy if they choose. In addition, the extra coverage must be maintained for a three year period following the conviction and if a clean driving record has been maintained during the 3 years the motorist will be allowed to choose to purchase the state's minimum requirements.

Penalties for Not Maintaining FL Auto Insurance Requirements

Florida state mapAn individual who fails to maintain continuous coverage can have their driving privileges, license plate and registration suspended by the Department of Highway Safety and Motor Vehicles for up to three years or until proper proof of coverage is provided.

In order to have a driver's license, tag and registration they will have to pay a reinstatement fee along with submission of proof of auto insurance before these items can be reinstated. The reinstatement fees are as follows; $150 for the first offense, $250 for the second offense and $500 for additional offenses that occur within 3 years of the first.

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