Florida Auto Insurance Laws

If you are looking for auto insurance in Florida, it is imperative to understand the Florida auto insurance laws. First, if you own a vehicle with four or more wheels, you have to insured it. Auto insurance is mandatory in the Sunshine State. You will not be able to register your vehicle until you obtain insurance first.

In the state of Florida, the Florida Department of Financial Services must license auto insurance coverage. It is often referred to as Florida Coverage. This means that when you move to Florida, you must sign up for auto insurance through a Florida agent who is licensed to insure people in the state of Florida. If you really love your current insurance company, you simply need to call them up and ask for a Florida agent so your insurance can get transferred appropriately. Most national insurers maintain Florida agents for this purpose.

The bare minimum requirements when signing up, according to Florida auto insurance laws, are $10,000 in personal injury protection and $10,000 in property damage liability. Personal injury protection covers you, regardless of fault, up to the limits of your policy. This $10,000 also covers your dependents and passengers as long as they do not have their own vehicle. Property damage liability covers the property of someone else in case you are liable for the damage in an accident. These basics are necessary for as long as you keep a current registered vehicle in Florida.

Failing to maintain these basic laws could result in a number of setbacks. If you are found to not have auto insurance on a registered Florida vehicle your driving privileges, including the registration on your vehicle, can be suspended for up to three years or until proof of Florida insurance is received.

It is important to note that even if you are not using the vehicle, if it is registered in the state of Florida, you must have insurance on the vehicle. Even if it stays parked in your yard.

The Florida insurance is required as long as your car is registered in Florida rule even applies if you move out of state. So, keep your auto insurance until you have had a chance to register your vehicle in your new state.

Auto insurance laws are strict and not to be ignored. They take auto insurance very seriously in the Sunshine State and you should do the same.