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August 23, 2005 - Florida Auto Insurance Requirements

Florida has specific auto insurance requirements that you must meet in order to register your vehicle. These car insurance requirements apply as long as you have a valid Florida license plate. The minimum coverage required by the State of Florida is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL).

Depending on your driving record you may be required to also have bodily injury coverage (BIL). This is usually required if you have been convicted of certain specific offenses or have been involved in a crash. Your insurance policy must be based in Florida and provided by a company licensed by the Florida Department of Insurance.

No Insurance Equals Suspensions

If you drive without the proper insurance the DMV may suspend your license plate, registration, and driving privilege for up to three years. If you are moving to Florida from another state your insurance must be transferred to Florida by your insurance agent or your must purchase a new policy from an Insurance agent licensed in Florida.

Car Insurance Talk

PIP insurance covers losses due to injuries, regardless of who is charged with causing a crash. PIP covers you, relatives that live in your home, and passengers in your car.

BIL (bodily injury insurance) pays for serious injuries, permanent injuries, or deaths caused by a crash in your car.

PDL (property damage liability) is insurance that pays for damages caused by you or members of your family.

Do not drive without auto insurance. Unlike other Florida drivers license suspensions for points, there is no hardship license for a car insurance related suspension.

Recent Driving Logs

August 2, 2005 - Florida Identification to get a Drivers License

July 25, 2005 - Summer Vacation Driving

July 16, 2005 - Teen Driving Risks

July 12, 2005 - Deep Water Driving

July 4, 2005 - Lets celebrate, consider history, and drive smart

June 26, 2005 - Slow Down Through Turnpike Tolls

June 22, 2005 - Buckle Up, Go the Speed Limit, No Excuses

June 20, 2005 - HOV lanes are not working in south Florida.

June 17, 2005 - Dogs in Cars can be fun but be aware of the dangers.

June 15, 2005 - XM Satellite comes in many new GM cars that are now on sale

June 13, 2005 - Tune Up Your Car Before Your Summer Road Trip

June 11, 2005 - Intersections Can Be Very Dangerous Driving

June 8, 2005 - 18 Year Old Can Skip the Learners Permit

June 3, 2005 - The Forecast is Rain, Rain, Rain

June 2, 2005 - The 2006 Dodge Charger

May 30, 2005 - Be Prepared for Roadside Emergencies

May 27, 2005 - Buckle Up, Drive Sober, Slow Down

May 25, 2005 - Clickit or Ticket

May 23, 2005 - Big Trucks in Traffic

May 22, 2005 - How Long is the Traffic School course?

May 20, 2005 - First Time Adult Drivers in Florida

May 19, 2005 - Two Traffic Tickets

May 15, 2005 - Passing on the Florida Turnpike

May 13, 2005 - Better Gas Mileage

May 12, 2005 - 2005 Traffic Report

May 6, 2005 - Driving in the Rain

May 3, 2005 - A Faster Commute or No Commute