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Florida Department of Highway Safety and Motor Vehicles
Vehicle Insurance Questions and Answers
I am registering a vehicle for the first time in Florida. Is automobile
insurance mandatory?
Yes. If you own a vehicle with at least four wheels and are registering it, you must have
Florida insurance.
What type of insurance is required to purchase and maintain a Florida
license plate and registration?
Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000
property damage liability (PDL) as long as you have a valid Florida license plate.
What is "Personal Injury Protection" (PIP) insurance?
Also called Florida No Fault Insurance, Personal Injury Protection (PIP) Insurance
covers you - regardless of fault (i.e. whether or not you cause the crash) - up to the limits
of your policy. Your PIP will also cover your child, members of your household, certain
passengers who lack PIP Insurance as long as they do not own a vehicle. People riding in
your vehicle who carry PIP will receive coverage under their own PIP for their injuries,
and certain licensed drivers who drive your vehicle with your permission. PIP also
covers your child if he or she suffers an injury while riding on a school bus. PIP coverage
protects you while in someone else's vehicle, as a pedestrian, or bicyclist if you suffer an
injury in a crash involving a motor vehicle. The Florida Motor Vehicle No-Fault Law,
requires all owner/registrants of a motor vehicle with four wheels or more to carry a
minimum of $10,000 of Personal Injury Protection (PIP) and $10,000 of property
damage liability (PDL) if you own a motor vehicle in Florida. Florida law requires you to
maintain PIP/PDL insurance continuously throughout the licensing and registration
period.
What is " Bodily Injury Liability" (BIL) insurance?
Bodily Injury Liability coverage pays for serious and permanent injury or death to others
when you cause a crash involving your automobile. Your insurance company will pay for
injuries up to the limits of your policy and provide legal representation for you if you get
sued. In particular, your company pays for injuries caused by you or members of your
family who live with you, even if they were driving someone else's vehicle. It may also
cover others who drive your automobile with your permission. This coverage also
provides you with legal defense in the event you are sued by the injured party.
What is "Property Damage Liability" (PDL) insurance?
This coverage pays for damages you or members of your family cause (and are liable for)
to other people's property in a crash involving a motor vehicle.
What is meant by "Florida Coverage"?
Florida coverage is an insurance policy delivered or issued for delivery in Florida by an
insurance company licensed by the Florida Department of Financial Services.
Can I maintain my current policy issued in my previous state of residence?
No. The minimum required insurance must be issued through a Florida agent with an
insurance company licensed to sell in Florida. Most insurers have Florida agents and are
licensed to issue policies in Florida. Just ask your agent to transfer your current
insurance to Florida when you register a vehicle in Florida.
What if I fail to keep insurance on my vehicle that I have registered in
Florida?
The Department of Highway Safety and Motor Vehicles is authorized to suspend your
driving privilege, including your vehicle license plate and registration, for up to three
years or until proof of Florida insurance is provided, whichever is first.
If my driving privilege is suspended because I am not properly insured, is
there a penalty to reinstate my license?
Yes. A reinstatement fee of $150 up to $500, for subsequent violations, must be paid and
you must provide proof of current Florida insurance.
Vehicle Insurance Questions and Answers
I am registering a vehicle for the first time in Florida. Is automobile
insurance mandatory?
Yes. If you own a vehicle with at least four wheels and are registering it, you must have
Florida insurance.
What type of insurance is required to purchase and maintain a Florida
license plate and registration?
Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000
property damage liability (PDL) as long as you have a valid Florida license plate.
What is "Personal Injury Protection" (PIP) insurance?
Also called Florida No Fault Insurance, Personal Injury Protection (PIP) Insurance
covers you - regardless of fault (i.e. whether or not you cause the crash) - up to the limits
of your policy. Your PIP will also cover your child, members of your household, certain
passengers who lack PIP Insurance as long as they do not own a vehicle. People riding in
your vehicle who carry PIP will receive coverage under their own PIP for their injuries,
and certain licensed drivers who drive your vehicle with your permission. PIP also
covers your child if he or she suffers an injury while riding on a school bus. PIP coverage
protects you while in someone else's vehicle, as a pedestrian, or bicyclist if you suffer an
injury in a crash involving a motor vehicle. The Florida Motor Vehicle No-Fault Law,
requires all owner/registrants of a motor vehicle with four wheels or more to carry a
minimum of $10,000 of Personal Injury Protection (PIP) and $10,000 of property
damage liability (PDL) if you own a motor vehicle in Florida. Florida law requires you to
maintain PIP/PDL insurance continuously throughout the licensing and registration
period.
What is " Bodily Injury Liability" (BIL) insurance?
Bodily Injury Liability coverage pays for serious and permanent injury or death to others
when you cause a crash involving your automobile. Your insurance company will pay for
injuries up to the limits of your policy and provide legal representation for you if you get
sued. In particular, your company pays for injuries caused by you or members of your
family who live with you, even if they were driving someone else's vehicle. It may also
cover others who drive your automobile with your permission. This coverage also
provides you with legal defense in the event you are sued by the injured party.
What is "Property Damage Liability" (PDL) insurance?
This coverage pays for damages you or members of your family cause (and are liable for)
to other people's property in a crash involving a motor vehicle.
What is meant by "Florida Coverage"?
Florida coverage is an insurance policy delivered or issued for delivery in Florida by an
insurance company licensed by the Florida Department of Financial Services.
Can I maintain my current policy issued in my previous state of residence?
No. The minimum required insurance must be issued through a Florida agent with an
insurance company licensed to sell in Florida. Most insurers have Florida agents and are
licensed to issue policies in Florida. Just ask your agent to transfer your current
insurance to Florida when you register a vehicle in Florida.
What if I fail to keep insurance on my vehicle that I have registered in
Florida?
The Department of Highway Safety and Motor Vehicles is authorized to suspend your
driving privilege, including your vehicle license plate and registration, for up to three
years or until proof of Florida insurance is provided, whichever is first.
If my driving privilege is suspended because I am not properly insured, is
there a penalty to reinstate my license?
Yes. A reinstatement fee of $150 up to $500, for subsequent violations, must be paid and
you must provide proof of current Florida insurance.
| Representing residents of Naples, Fort Myers, Marco Island, Sanibel, Cape Coral, Lehigh Acres, Ft. Myers, Golden Gate, Estero, Bonita Springs, Pelican Bay, Ave Maria, Punta Gorda, Port Charlotte, Venice, Englewood, Osprey, Sarasota, Arcadia, Bradenton, Lakewood Ranch, Collier County, Lee County, Hendry County, Charlotte County, Sarasota County, and Manatee County, as well as clients throughout Florida. |
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Richard Weldon saw the social networking trend early.
| Why should I choose Weldon & Rothman, PL as my personal injury attorneys?
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Florida Automobile Insurance Law and Insurance Coverages
| Disclaimer: This website is dedicated to providing public information regarding Florida Personal Injury law, civil litigation, car accident, truck accidents, motorcycle, boat, pedestrian accidents, medical malpractice, slip and fall, other injury and wrongful death, and other legal information. None of the information on this site is intended to form an attorney/client relationship or to be case specific legal advice. Please contact an attorney at Weldon & Rothman, PL to discuss your legal matter. This website is not intended to solicit clients outside of Florida. |
Car Accident Insurance Claims:
- Bodily Injury
- Uninsured Motorist / Underinsured
- Personal Injury Protection (PIP)
- Property
- Collision
- Medical Payment / Med Pay
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| Naples 7935 Airport-Pulling Rd N, Suite 205 Naples, Florida 34109 (239) 262-2141 |
| Toll Free: (877) 730-5180 |
| Contact Us 24 Hours A Day |
| Toll Free: (877) 730-5180 Fax: (239) 262-2342 E-mail: info@weldonrothman.com |
| Naples Tel: (239) 262-2141 7935 Airport-Pulling Rd N., Suite 205 Naples, FL 34109 |
| CLICK HERE TO SEE READ ABOUT RECENT CHANGES TO FLORIDA'S PIP LAW - EFFECTIVE JANUARY 1, 2013 |
| Naples, Marco Island, Fort Myers, Sarasota |
| Sarasota 1990 Main Street, Suite 750 Sarasota, Florida 34236 (941) 309-5366 |
| Sarasota Tel: (941) 309-5366 1990 Main Street, Suite 750 Sarasota, FL 34236 |