What must you do if you own or operate a vehicle in Florida?
If you own or operate a vehicle in Florida, you must carry valid proof of insurance with you when you drive.
Florida law requires anyone who owns or operates a motor vehicle to maintain insurance coverage that meets the state’s minimum requirements. Related requirements include:
- You must carry proof of valid car insurance when driving, such as an insurance card. Florida is a “no-fault” insurance state so this coverage helps pay for your own injuries or losses in a crash, regardless of fault.
- The minimum coverage amounts required under Florida law are: $10,000 for personal injury protection (PIP) to cover medical expenses $10,000 for property damage liability to cover damage to another person’s car or property $10,000 for injury/death liability for one person $20,000 for injury/death liability for more than one person
- Proof of insurance must also be shown when renewing your vehicle’s registration, getting your license plates, and if stopped by law enforcement while driving.
The penalties for not having valid insurance in Florida range from fines, to license/registration suspension, to potential jail time for repeat offenders.
