Yes, Florida requires that all drivers operating motor vehicles in the state have auto insurance. Drivers in Sunshine State must carry proof of insurance with them whenever they are driving. If you are in a car accident or are stopped by the authorities, you will need to show your proof of insurance to law enforcement. You must maintain the required insurance coverage throughout the registration period or your driving privilege and your registration may be suspended for up to three years.
For example, the minimum acceptable car insurance policy in Florida does not have coverage for bodily injury liability. For accidents that occur in Florida, PIP covers you, family members who live in your household, certain passengers who do not own a vehicle, and others who drive your car with your permit. In other words, while Florida insurance laws only require liability and personal injury protection, it's always a good idea to have coverage above the minimum requirement. Other types of coverage that your car insurance company may also offer include roadside assistance and medical coverage (an additional policy to pay for medical expenses such as hospitalizations and medical treatment due to a serious accident).
In addition, Florida is a no-fault state, meaning that each person in an accident will use their own insurance to pay for damages, regardless of who caused the accident. You are required by law to keep proof of Florida car insurance on your car and show it if a law enforcement officer requests to see it. PIP Insurance Property Damage Liability InsurancePersonal Injury Liability InsuranceOther Types of Insurance Car Service WarrantiesWhen purchasing car insurance. Keep in mind that health insurance also covers medical expenses for car accidents beyond those covered by PIP.
SR22 an insurance statement certifying bodily injury liability (BIL) and property damage liability (PDL) to meet the reinstatement requirements of the Florida Financial Responsibility Act. The following laws have recently been enacted in Florida and may affect your insurance coverage decisions. Anyone who has a car in Florida for more than 90 days during a 365-day period must purchase PIP and property damage liability insurance. In Florida, you may be able to sue for pain and suffering resulting from an accident, but there are stricter limits than in many other states.
Car service warranties are valid only for a specified period of time and only guarantee repair or replacement of items defined in the contract.
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