Do you need insurance if you have a license but no car in Florida?

You're not required to have insurance if you have a license but no car, but it depends on how often you drive other people's vehicles. If you're borrowing cars on occasion, you should be covered under the vehicle owner's insurance.

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Miami-Dade
Sample Letter for Automobile Quote

Miami-Dade Florida Sample Letter for Automobile Quote

Category:

Letters - Nonlegal - Quote

State:

Multi-State

County:

Miami-Dade

Control #:

US-0527LR

Format:

Instant download

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Sample Letter for Automobile Quote

Attornment Provision in a Sublease

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FAQ

The penalties for driving without insurance in Florida are severe and include license suspension and reinstatement fees. You may also have points assessed on your license and could even face jail time, depending on the specific circumstances of your infraction.

According to Florida law, if you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection (PIP) insurance and a minimum of $10,000 of property damage liability insurance. You may have a deductible of up to $1,000 for PIP coverage and $500 for property damage liability.

PDL is an unpaid, job protected leave that provides up to 4 months of leave for a pregnant employee who is certified by their health care provider. (The 4 months is defined as 17.3 weeks or 693 hours, which equals one-third of a calendar year based on a 40-hour workweek.)

Penalties. You must maintain required insurance coverage throughout the registration period or your driving privilege and license plate may be suspended for up to three years. There are no provisions for a temporary or hardship driver license for insurance-related suspensions.

If you are caught driving without insurance a second time within a three-year period, your license and plate suspension can last up to three years or until you provide proof of coverage.

Recommended Coverage Limits: We suggest that you buy Bodily Injury Liability coverage in the amount of $100,000 per person/$300,000 per incident (accident), at a bare minimum. However, we suggest that you buy higher limits if you have substantial assets that you want to protect.

You're not required to have insurance if you have a license but no car, but it depends on how often you drive other people's vehicles. If you're borrowing cars on occasion, you should be covered under the vehicle owner's insurance.

Failure to maintain required insurance coverage in Florida may result in the suspension of your driver license/registration and a requirement to pay a reinstatement fee of up to $500.

The law says that you must normally have at least third party motor insurance if you drive or own a vehicle. You must also have insurance if you leave it parked on the street, on your driveway or in your garage. The police can check on the spot if your vehicle is insured using the Motor Insurance Database.

Miami-Dade Florida Sample Letter for Automobile Quote

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FAQ

What happens in Florida if you don't have car insurance?

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