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What are the two motor vehicle insurance laws in florida

adminOctober 19, 2022

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table of contents

4. driving privilege

4.1. Driving a motor vehicle in Florida is an earned privilege
4.2. point system
4.3. red light cameras/infractions
4.4. mandatory restriction for minors
4.5. zero tolerance
4.6. driving under the influence
4.7. other serious violations of licensing law
4.8. administrative hearings
4.9. florida motor vehicle insurance laws
4.10. traffic accidents
4.11. littering
4.12. road damage

in florida, there are two motor vehicle insurance laws. They are the financial responsibility law and the no-fault law. It’s important that you understand these laws because if you don’t have the right insurance, you can lose your driver’s license and tags and have to pay large fees to get them back.

4.9.1 – the financial responsibility law

Financial Responsibility Law requires motor vehicle owners and operators to be financially responsible for damages and/or injuries they may cause to others when an automobile accident occurs. this law requires any person to have bodily injury liability insurance at the time of the following:

acitation for dui, resulting in a revocation. these cases require the following minimum insurance coverage

$100,000 bodily injury liability (bil) (to one person).
$300,000 bodily injury liability to two or more persons.
$50,000 property damage liability (pdl)

If you do not have the insurance required to comply with the financial responsibility law, your driver’s license and/or plates will be suspended for up to three years. You will need to pay a reinstatement fee and show dhsmv-certified proof of full liability insurance on form fr-44 for three years from the original suspension date to regain your driving privilege.

a suspension for excessive points against your driver’s license.
an accident in which you are at fault and injuries have occurred.
a habitual traffic violator revocation.
a revocation for any felony for which this department is required to revoke your license. cases listed above (excluding dui) must have the following minimum insurance coverage:

$10,000 bodily injury liability (bil) (to one person).
$20,000 liability for bodily injury to two or more persons.
$10,000 property damage liability (pdl), or
$30,000 combined single limits.

If you are involved in any of the above offenses (excluding dui) and do not have insurance to comply with the financial responsibility law, your driver’s license and/or plates will be suspended for up to three years. You will need to pay a $15 reinstatement fee and show dhsmv-certified proof of full liability insurance on form sr-22 for three years from the original suspension date to regain your driving privilege.

In addition, if you are the driver or owner of a vehicle that is involved in an accident at your fault, this department may require you to pay damages before your driving privilege is reinstated. Under this law, to protect yourself and others, you must have liability insurance on any motor vehicle you own or operate, including motorcycles.

4.9.2 – the law without fault

Florida’s no-fault law requires owners of motor vehicles with four or more wheels (except taxis and limousines) who have been in the state for at least 90 consecutive days or non-consecutive days for the past 365 days to purchase a policy . delivered or issued for delivery in this state. the minimum coverage is:

$10,000 personal injury protection (pip)
$10,000 property damage liability (pdl)

You cannot purchase a license plate and registration for an automobile or other four-wheel vehicle without coverage issued in Florida. once you have this insurance, any time you renew, do not renew, cancel, or the insurance company cancels, the insurance company must notify this department. dhsmv will then notify you to provide proof of new coverage. If you do not provide proof of insurance, your driver’s license and tag(s) will be suspended for up to three years.

You must maintain insurance coverage for the entire vehicle registration period or you must surrender the license plate(s) to any driver license or tax collector office.

If you are cited by a law enforcement officer for failing to provide proof of insurance and pay the civil penalty or are convicted in court, your driving privilege will be suspended.

If your driver’s license and tag(s) are suspended for being uninsured under the law through no fault of your own, you will have to pay $150 and show proof of current insurance to get them back. for a second offense within three years, you will pay $250. for a third offense within three years, you will have to pay $500. In addition, if your driver’s license and tag(s) have been suspended for 30 days or more for a no-fault insurance violation, a police officer can immediately confiscate your tag. To avoid an insurance suspension of your license and to avoid reinstatement fees, turn in your license plate to a Florida driver license or tax collector office before canceling your insurance.

As of 10/01/06, all taxicabs must maintain the following insurance to register a vehicle in Florida.

general information

You will be issued a Florida Insurance ID. card from your insurance company. You should have this paper or electronic card ready to show to any law enforcement officer to prove you have the required insurance. if not, you can be fined for not having proof of insurance.

If your driver’s license or license plates are suspended for not obeying any of these laws, you may not obtain a temporary license for any reason, not even for work purposes. Any person who makes a false statement or falsifies their motor vehicle insurance may be guilty of a misdemeanor of the second degree.

dhsmv will always give you the opportunity to prove insurance coverage or be heard before being suspended. how to comply:

purchasing a motor vehicle insurance policy from a company licensed to do business in Florida.
obtaining a certificate of financial responsibility from the motorist enforcement office after posting a satisfactory bond from a company licensed to do business in florida.
obtaining a certificate of financial responsibility from the motorist enforcement office by depositing cash or securities at dhsmv.
obtaining a certificate of self-insurance from the motorist compliance office providing satisfactory evidence of having unencumbered net worth.

Remember: Auto insurance is an important part of your driving privilege. protect yourself and others by having and maintaining adequate insurance coverage.

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