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.
Florida is a no-fault state, which means that all drivers must have no-fault insurance, also called personal injury protection (PIP). Like an FR44, an SR22 is a certification provided by your insurance company that verifies that you have an insurance policy that meets Florida's minimum auto insurance requirements. However, most commercial vehicles in Florida are legally required to meet the following combined minimum levels of personal injury liability insurance and property damage liability insurance. Florida is a no-fault state, so the minimum limits for car insurance are different from those in other states.
Florida auto insurance laws state that driving without insurance or other evidence of financial responsibility is illegal, and letting your coverage lapse has serious repercussions. According to BankRate, Florida car insurance laws don't allow you to drive without the minimum car insurance coverage required. The CARCO inspection is a pre-insurance inspection of the car that is required in Florida, which means that someone will physically check your car and document its condition before you can purchase an insurance policy. The proof of insurance is basically a document that shows that you have an active auto insurance policy that meets the minimum state requirements.
Learn about Florida's car insurance laws and requirements to learn how much coverage you need to drive legally. Non-standard car insurance is an option for drivers that some insurance companies consider “high-risk.” Understanding Florida's auto insurance laws is crucial if you've recently moved to the Florida area or are simply not familiar with the state's laws related to car insurance. In addition to offering affordable insurance for cars and commercial vehicles, Direct Auto also offers customizable payment options. Be sure to talk to a licensed vehicle insurance provider, as they are very familiar with Florida's auto insurance laws and can help you choose the insurance coverage that's right for you.
Whether you're a Florida driver buying car insurance for the first time or checking that you have enough car insurance, here's what you need to know about auto insurance laws and requirements in the Sunshine State. Florida has the most expensive car insurance rates in the country, which is surprising because it also has some of the lowest car insurance requirements in the country. A CARCO inspection is an auto insurance requirement in the Florida pre-insurance exam, which means that someone will physically evaluate your vehicle and record its condition before you can purchase insurance.