If you don't have insurance, the state of Florida can suspend your license. Another option would be to convert your license plates at the Department of Motor Vehicles. In fact, having some level of car insurance is the law in all but two states (Virginia and New Hampshire). In Florida, you must carry proof of insurance with you whenever you drive and it must be current.
If you are stopped or have a car accident, law enforcement will ask you to show this proof. Registering any new vehicle also requires that you have proof of coverage in Florida. The fact that Florida is a no-fault state can complicate things if you are involved in an accident when you don't have insurance. Generally, your personal insurance will cover your medical bills and property damage regardless of who is at fault for the accident.
In addition, comprehensive coverage or a storage insurance policy for a car in a private garage is still recommended. Both states allow drivers to be left without auto insurance coverage unless they recently caused an accident or committed a serious traffic violation. Finally, if you have an uninsured car, compare insurance quotes and buy a policy right away to protect your pocket from the dangers of driving without insurance. Car insurance for people who don't own property is usually cheaper than car insurance with a car, but it depends on a few factors, such as your driving history and location.
It's also important to note that regardless of the reason, not having insurance means that your insurance premiums will be more expensive the next time you need to buy an insurance policy. However, most states require that you hand over or destroy license plates before canceling your insurance coverage to avoid penalties for driving without insurance. Likewise, if you drive a borrowed car that's insured by someone else, your policy will normally cover you, but it's best to insure yourself before taking the risk. You can check out WalletHub's selections to find the cheapest auto insurance companies in Florida to compare your options.
With that in mind, WalletHub has ranked the cheapest car insurance companies for drivers with accidents, for your convenience. If you're constantly borrowing or renting cars, you should take out car insurance for people other than the owner. Allowing an auto insurance policy to expire without getting a new one is a red flag for insurers, as it can make it more expensive to get coverage in the future. Car insurance is mandatory in every state except New Hampshire and Virginia, and even driving outside the parking lot of an uninsured dealer is illegal.
When an existing car insurance policy expires or is canceled, the insurer notifies the DMV, which will then ask you to submit proof of insurance within a specified period of time. You can also face severe penalties in Florida if you present falsified insurance documents or make false statements about taking out insurance. If you are caught uninsured during a traffic stop, you may be subject to a fine and penalties for driving without insurance.
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