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Q. What Is The Minimum Insurance Required In The State Of Florida?

A. Florida requires P.I.P. (Personal Injury Protection) of $10,000 and Property damage liability of $10,000.

Q. What Insurance Coverage Does F.I.S. Recommend?

A. We recommend that everyone purchase the P.I.P., Property Damage along with Bodily Injury liability.  This will cover you for medical bills for you and the occupants in your vehicle, property damage you may be liability for and bodily injury you may be liable for.  $10,000 per person for bodily injury/$20,000 per accident for bodily injury and $10,000 for Property damage is the minimum limits written and can go up to $1,000,000 limits.  The higher the limits the better the coverage. 

Q. Can I Lose My License If I Am Involved In An Accident With No Insurance?

A. Yes, the Florida Financial Responsibility act requires everyone to have the State required minimum.

Q. If I Have The State Minimum Insurance And Are Involved In An At-Fault Accident And Injure Someone, Am I Responsible For The Injured Party/S Medical Bills?

A. Yes, if you are unable to pay these bills your Florida driver’s license will be suspended until you pay these bills. 

Q. What Is Needed To Register A Vehicle In The State Of Florida?

A. You will need to have the title to your vehicle along with proof of insurance and a valid license or passport.

Q. If I Am Coming From Out-Of-State And Want To Register My Vehicle In Florida, What Is The Cost?

A. To obtain a Florida title, registration and vehicle tag it would be $495.  Your tag will be valid until your birth month.  Sales tax of 6% on the selling price of vehicle is additional. 

Q. If I Have A DUI, Can I Get Insurance In Florida?

A. Yes, you would have to file a FR-44 with the State (provided by some insurance carriers), purchase liability limits of $100,000/$300,000/$50,000 and maintain this for 3 consecutive years.  If you have a lapse in coverage, the state will make you start all over with regards to the 3 consecutive years.