Florida Insurance Laws You May Not Know About
- quinnins
- Feb 14, 2020
- 2 min read
Florida law requires residents to have auto insurance. You must purchase the minimum coverage amounts for both Personal Injury Protection (PIP) insurance and Property Damage Liability (PDL) auto insurance.
Fortunately, Florida offsets these coverage requirements by offering some of the lowest auto insurance minimums in the country.
Florida is a no-fault insurance state, meaning that if you are (God forbid) injured in an accident, your auto insurance will pay your medical costs up to the limits of your policy, regardless of who caused the accident.
The minimum limits for Florida auto insurance coverage are:
• $10,000 of no-fault or personal injury protection (PIP) insurance.
• $10,000 of property damage liability (PDL) insurance.
PIP (Personal Injury Protection)
In addition to covering your part of any medical expenses and income losses that result from an auto accident (again, God forbid), your Personal Injury Protection, or PIP, will also cover:
• Passengers in your car who do not have their own PIP insurance and do not own a car.
• You (if you are a bicyclist or pedestrian involved in an auto accident).
• Your child (when riding a school bus).
PDL (Property Damage Liability)
The PDL portion of your auto policy in Florida will cover you for damages YOU cause in an auto accident to someone else’s property, such as buildings or homes.
Penalties, Fines, and Violations
The Florida Department of Highway Safety and Motor Vehicles (DHSMV) requires that they be notified by your insurance company electronically if your auto insurance policy has been cancelled.
If the DHSMV has no record of a current auto insurance policy for you, you will be notified by mail. The notification will inform you of a date of your license being suspended. If you are not able to provide proof of insurance to the DHSMV before the suspension date, your driver’s license, plates, and registration will all be suspended.
To reinstate these, you will have to provide proof of Florida insurance and pay a fee of:
• $150 for first offense.
• $250 for second offense.
• $500 for each offense after.
If you are able to provide the DHSMV with proof of Florida insurance before the suspension date, you will not face any penalties.
If you no longer own the automobile, surrender your plates and registration to the Florida DHSMV to avoid your driver’s license being suspended.
It is important to know the insurance laws of the state that your reside in order to prevent a potential hefty penalty or fine. For more information contact your insurance agent or the florida DMV at https://www.flhsmv.gov.
Happy driving!
Source: https://www.dmv.org/fl-florida/car-insurance.php
Insurance laws can be sneaky. As a PhD student who works part-time at Last-Minute Assignments, I learned this the hard way after a small accident in college. I was so overwhelmed that I'd think, Just do my engineering assignment so I can figure out my coverage. Thank you for highlighting these hidden Florida rules. You're helping people avoid expensive surprises. Grateful for clear, practical legal tips. I’m reviewing my policy tonight. Appreciate the heads-up. Keep demystifying the fine print. Thanks for looking out for regular folks like us. Seriously, this could save someone thousands. Thank you.
The overview of Florida insurance laws highlighted several details that many people may not know. I appreciated how the article broke down complex information into something easier to understand. It reminded me of learning how small policy details can have a significant impact. During a particularly busy academic period, I used online statistics course help service while balancing several commitments. The article provides useful insights for readers.
I found the post interesting because it highlights some Florida insurance laws that many homeowners may not know about until they face a claim or policy issue. Understanding these rules can really help people avoid unexpected problems later on. During a very busy term, I relied on pay someone to do my class for me services to keep up with coursework while managing other responsibilities, which reminded me how important it is to understand the details before making any decision. Being informed always helps people protect themselves better.