Automobile vehicle owners, in Florida, are required to carry automobile insurance. Proof of coverage is required prior to registering an automobile. It is also necessary at renewal. There are three different types of insurance: personal injury protection (PIP), property damage liability (PDL) and bodily injury liability (BIL). In Florida, drivers are required to carry PIP and PDL.

PIP insurance is often referred to as “No Fault” insurance. It doesn’t matter who was at fault in the accident, this policy protects the individuals in the covered vehicle – up to the policy maximum. If the passengers have their own PIP policy, their policy will cover them in lieu of the vehicle’s policy. Florida requires drivers to carry a PIP policy with a minimum coverage amount of at least $10,000.

In addition, Florida drivers are required to carry PDL insurance in the minimum coverage amount of $10,000. This insurance policy covers damage to other vehicles or property. All required insurance policies must be issued by an insurance agent licensed to write business in the state of Florida. In addition, any vehicle registered with the state of Florida requires insurance, regardless of whether or not it is being actively driven.

BIL covers serious or deadly injury due to a vehicle accident. This policy also provides money for a legal defense, if necessary. This coverage is not required by the state of Florida.

There are significant penalties provided for drivers who do not maintain proper insurance coverage. Consequences for not having proper insurance include: license suspension for up to three years and fines up to $500.

Individuals who want to avoid any civil penalties can return their vehicle tag and registration to the state of Florida; then, no insurance will be required. However, the automobile cannot be legally driven without a tag and insurance.

Florida has different rules for motorcycle owners. Insurance is not required in order to register a motorcycle. However, the driver is personally responsible for any damage or injury as a result of the motorcyclist. In certain circumstance, insurance may be required.

In Florida, “Driver’s wanted”, but only those with proper insurance – it’s the law.