Florida requires motor vehicle drivers to be covered under property damage liability and no-fault auto insurance. Florida drivers are required to be able to produce poof of car insurance when requested by a police officer or highway patrol. Additionally, proof of insurance is required when renewing your car’s registration or it is involved in an accident.
What is the minimum amount of liability insurance required by the State of Florida?
Florida’s minimum liability insurance amounts are:
- $0 total property damage per accident
- $0 bodily injury per person
- $30,000 total bodily injury per accident
Although Florida requires the above as the minimum insurance coverage requirements, most insurance professionals advise to get more coverage than the amount mandated by the state. Getting sufficient auto insurance will help to protect you and your assets in the event of a major, unforeseen accident. Most Florida drivers add an additional type of vehicle insurance called collision and comprehensive coverage to their car insurance policies to cover possible damage to their own motor vehicle as well.
What happens if I drive in Florida without insurance?
The penalties for driving without insurance in Florida are severe and may include license suspension, registration suspension, and reinstatement fees of of $150, $250, and $500. The minimum amount of Florida state auto insurance is very affordable. Some car insurance policies are as low as $19/month in Florida.
What is Uninsured or Underinsured Motorist Coverage?
UM or UIM coverage is auto insurance coverage that protects a driver from damages if they get in an auto accident and the other party involved in the accident does not have car insurance. Although some states require uninsured/underinsured motorist coverage, Florida does not require it.
What is No-Fault Car Insurance and Do I Need it in Florida?
Florida is a “No Fault State”. This means that policy holders HAVE to prove that they are not at fault in order to be reimbursed by their car insurance company. “No-Fault” states have laws that allow a car insurance policy holder to be reimbursed by their insurance company without proof of fault.
What is Personal Injury Protection?
Florida requires the purchase of Personal Injury Protection. Personal Injury Protection or PIP is additional insurance coverage that covers medical and hospital expenses, lost wages, etc. that are a result of an auto insurance accident. The minimum PIP coverage amount for Florida is $10,000.
SR-22 or DUI Insurance Requirements for Florida
An SR-22 form is a vehicle liability insurance document that is filed with Florida’s Department of Motor Vehicles as proof that a Florida driver has the minimum amount of state mandated liability insurance coverage. Florida SR-22 filings are typically required to reinstate driving privileges after serious motor vehicle offenses such as a “Driving Under the Influence” (DUI) arrest and conviction, reckless driving, uninsured auto accident or driving without insurance. The State of Florida DOES require an SR-22 filing for a driver’s license to be reinstated.
What are Florida’s Driving Under the Influence (DUI) Laws?
It is illegal in the United States to operate a motor vehicle with a Blood Alcohol Content of 0.08% or higher. If a Florida driver’s Blood Alcohol Content is determined to be above the legal limit of 0.08%, the first DUI offense penalties for the State of Florida are:
- 6 months imprisonment if BAC is 0.08% – 0.15%
- 9 months imprisonment if BAC is > 0.15%
- $500-$2,000 fine depending on BAC level
- 6 month to 1 year license suspension
- Court-ordered installation ignition interlock device – this requires the offender to blow into an apparatus prior to being able to start their vehicle.
- Completion of an approved DUI instructional program
- Up to 50 hrs of community service
- 10 Day Vehicle Impoundment
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