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Florida Auto Insurance Requirements and Coverage - Orlando

This information is complied and provided by SegurosDeAutos.com.

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The simplest way to keep your car insurance rates low is by driving safely and obeying all traffic laws. At Find the leading auto insurance companies, with great service, low rates and flexible payment plans at SegurosDeAutos.com, the specialty company providing easy access to the Spanish language market.

Florida law requires residents of FL to have car insurance. You must purchase the minimum coverage amounts for both personal injury protection (PIP) insurance and property damage liability (PDL) car insurance.

FL Auto Insurance Requirements

Florida is a no-fault insurance state. If you are injured in an accident, your car insurance will pay your medical costs up to your policy’s limits, regardless of who caused the accident.

The minimum limits for Florida car insurance coverage are:

  1. $10,000 of no-fault or personal injury protection (PIP) insurance.
  2. $10,000 of property damage liability (PDL) insurance.

Personal Injury Protection

In addition to covering your part of any medical expenses and income loss that result from a car accident, your Personal Injury Protection, or PIP, insurance will also cover:

  1. Your child and other members of your household.
  2. Your child (when he or she is riding on a school bus).
  3. You (when you are a pedestrian or bicyclist involved in a car accident.)
  4. Passengers in your car who do not have their own PIP insurance and do not own a car.

Anyone in your car who has PIP car insurance will be covered by his or her own policy if you get in a car accident. Likewise, your PIP car insurance will cover you while you are a passenger in someone else’s car.

Property Damage Liability

Property Damage Liability (PDL) auto insurance in Florida will cover you for damages you cause in a car accident to someone else’s property, such as homes or buildings.

Driving Rules for Older Drivers

People 80 and older must renew their license every six years, compared with every eight years for younger people. Also, people 80 and older must pass an eye exam with every renewal.

Florida also allows confidential reporting of a possibly unsafe driver by anyone – doctor, law enforcement, relative or bystander. Officials may ask those drivers to submit medical reports from their doctor or to undergo testing at a driver license office.

Violation Penalties and Fines

The Florida Department of Highway Safety and Motor Vehicles (DHSMV) requires your insurance company to electronically notify them if there is a cancellation of your insurance policy.

If the DHSMV has no record of your current car insurance policy, you will be notified by mail. The notification will give you a date of suspension. If you are not able to provide the DHSMV a proof of insurance 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:

  1. $150 for your first offense.
  2. $250 for your second offense.
  3. $500 for each offense after.

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