Suppose you are a resident of the state of Florida and you have recently acquired your first car, or you are planning to buy one shortly. In that case, you should take some time to read the state regulations regarding car registration and insurance at the state level. All this information is made available to all interested citizens by the Florida Department of Highway Safety and Motor Vehicles.
Florida Auto Insurance Requirements
Florida auto insurance is not as strictly regulated compared to other states, which require additional forms of coverage or larger amounts. However, it is still one of the states where it is mandatory and not optional.
The first thing you have to know is that it is absolutely mandatory to have the cheapest car insurance in Florida to be able to register it. The minimum coverage required by law is personal injury protection amounting to $ 10,000 and property damage liability for the same amount. This type of coverage is required for registration and must be renewed continuously for all the time periods in which the vehicle is licensed.
Personal injury protection is meant to cover you or other members of your family in case of injury, regardless of who caused the accident. In contrast, the property damage liability is meant to cover all damage caused by you or any other member of your family as a result of a car accident.
Details on Florida Auto Insurance
One thing that you must bear in mind is that you require Florida coverage, meaning that you will need a policy issued in Florida by an insurance provider licensed in this state. If you are changing your state of residence, you cannot keep your previous policy; you have to ask your agent to help you transfer your insurance in Florida.
Other unique situations are regulated by state law. If you live in a different state, meaning that you are not a Florida resident, but for various reasons you spend more than 90 days per year here, consecutive or not, then you are required to have a policy according to Florida state law.
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In the same way, if you own more than just one vehicle, you will be required to insure all of them according to the laws in Florida, for the entire period of time when they are registered, regardless of how often you drive them. One way to cut down your insurance cost for a vehicle that you don’t use is to surrender the license plate and registration for the entire period in which you will not drive the car. This way, you can cancel your insurance policy without any risk.
What Happens If You Do Not Comply with Florida Auto Insurance Laws?
Suppose you fail to comply with these rules, meaning that you are found driving on public roads without insurance or without a proper one that respects the minimum legal requirements. In that case, you are liable for having your driving privilege suspended, as well as your license plate and registration. You will only be allowed to retrieve them after providing proof of an adequate car insurance policy and after paying a fine starting from $150 and going up to $500.
In the end, we recommend you to make sure you have a valid policy at all times, although we sincerely hope you will never have to use it.
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