Florida DMV Insurance Requirements - Cheap Auto Quotes

For any person that wishes to drive in the state of Florida, there are several requirements that are enforced by the Florida DMV. Any motorist who does not meet these requirements is in danger of imprisonment. Thankfully, the Florida DMV insurance requirements are not overbearing, as they can be in other states. Still, to ensure that you're fully protected and legally able to drive, you must meet the following criteria.

Firstly, every Florida motorist must have what is known as personal injury protection. PIP is a mandatory form of insurance that is otherwise known as “no fault” insurance. Only Florida and eleven other states have this type of insurance, which covers a minimum of ten thousand dollars in bodily injury cases. You are of course able to have further coverage but this ten thousand dollar minimum PIP insurance is absolutely mandatory.

You must also have ten thousand dollars of coverage in what is known as property damage liability, or PDL. Think of this as the motor vehicle equivalent of PIP. Wherein with personal injury protection you are covered for physical injury, the PDL is used to cover any damage that may have been caused by your car or that your car suffered from.

Again, this is just the minimum required Florida no fault insurance coverage; policy holders are free to determine their full level of protection. The reason for these two requirements is because of the nature of the no fault system. In Florida, a wreck between motorists is settled by each driver's own insurance company. No matter who is at fault, the insurance company for either driver is required to take care of the damages. If it is bodily damage, it is handled by PIP. If it is automoble damage, PDL takes the reins.

It should also be noted that anybody moving to the state of Florida is required to register their vehicle within ten days of being in the state. To do this, you must first receive a Florida drivers license. After this is accomplished, you have to register for auto insurance from a company operating in the state of Florida.

Both of these prerequisites must be met before you can register your vehicle. Once you've met these requirements, you can then bring your proof of ownership and your proof of insurance to the DMV. You will then receive your license plate, validation decal, and registration certificate. Fortunately, getting insurance in Florida is easy due to the many companies that offer online registration. Just make sure that you hold on to your proof in insurance before stepping foot into the DMV.