do you need auto insurance in florida?

Answer 1

yes and no; if you own a car then yes, if not then maybe.

"Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida tag, even if the vehicle is in another state or inoperative. There are no exemptions in the law. However, if you have been involved in a crash, or been convicted of certain offenses, you may be required to purchase bodily injury liability coverage (BIL)."

This refers to the vehicle tag and not the driver's license. It is possible in most states to not have auto insurance and still have a driver's license but that requires a situation where you and nobody in your home owns a car.

For example, when I was in the Army I drove trucks. I was required by the Army to have a driver's license. But at that time, I didn't own a car. Therefor, I wasn't required to have auto insurance.

In most cases (almost all), it is the automobile that is insured and not the driver. Some people will tell you that you must get insurance of yourself but reality is that you insure a car (in the name of the owner and regular drivers) and not a person. This then means "your car is insured" not "you are insured". It seems an unimportant distinction but in some cases it's a very important distinction.

Anyone who disagrees simply call an insurance company and say "I want to get auto insurance but I don't have a car" and see how much they laugh at you. There are some exceptions for high risk drivers such as those who get regular DWIs.

If you're driving the car of someone else (such as an employer), when asked, you provide the insurance card for that car. This is because cars are insured - not people.

Answer 2

The answer, for now, is yes. Florida currently is one of a handful of states using a no-fault insurance scheme. Under Florida's scheme, everyone is required to carry a minimum of $10,000 in PIP (Personal Injury Protection) Insurance.
HOWEVER, unless the Florida legislature addresses the issue in a special legislative session before then, on October 1 of this year, THERE WILL BE NO LEGALLY MANDATED INSURANCE. This is because, pursuant to FL 2003 SB 32-A, the no fault insurance is scheduled to "sunset", or fade into history, on October 1.

So the point is this... You need PIP now, but unless something changes between now and then, October 1 will be a day when insurance becomes "optional." No amount of people saying "you need car insurance in every state" will change the fact. And just to set the record straight, neither New Hampshire nor Wisconsin require ANY liability insurance. How 'bout them apples? States that still believe in free choice.

Now, as Jenni pointed out, that means that if some idiot with no insurance and no money hits you, you're screwed unless you have insurance. If that's the case, though.... doesn't that make you an idiot as well? But then again, it should be your choice to be an idiot or not, shouldn't it?

Answer 3

The Florida Legislature failed to renew the auto insurance law so right now in the state of Florida you are not required to have insurance on your car until further notice from the Florida Legislature.

Answer 4

Yes you do. The mandatory coverage is PIP (Personal Injury Protection) at $10,000.
And Property Damage Liability at $10,000.

That isn't much coverage when you consider that a lot of rich ******* drive expensive cars in Florida. If you bash into a Beamer, and you have the minimum state requirements... you're f'd. The grill alone on one of those is probably more than that. Not to mention that the state does not require Bodily Injury Liability. So if you injure someone and you don't have it, you have to pay thier medical out of your pocket. A day in the hospital can cost thousands! (That's if you don't mess'em up too bad).

The mandatory coverage is supposed to be dropped on October 1st. If that happens, there will be a lot of uninsured motorists in the state that is known for a lot of accidents. Make sure you protect yourself. Get some decent coverages...you may regret it if you don't.

Answer 5

As of October 1, no-fault insurance will no longer be required in Florida.
I have no idea why they are eliminating it, though. All that means is that if some idiot with no money and no insurance hits you, unless you have insurance yourself, you're screwed.

Answer 6

Yes, you're required to carry auto insurance in Florida. It's a true no-fault state, but you're required to carry coverage for YOU.

Answer 7

Yes, here's the scoop on insurance in Florida:
http://www.dmv.org/fl-florida/car-insurance.php

Answer 8

You need it, especially you do have a car. It is required by the law in most state and countries. You can try to visit this cheap car insurance site http://www.blogtunnel.com this will provide you useful information about car insurance and list of car insurance companies that offering cheap car insurance rate.

Answer 9

Personally, no, i don't live in Florida,

But you do have to have insurance in every state. When cops stop you now they want to see license, registration, and insurance. No insurance, you cannot drive away from where you are pulled over. In my state you can drive away, but your fine will be triplied, and you must go to court and provide proof of insurance then.

Answer 10

Yes, insurance is required in the state of Florida. If you need more information regarding what exactly is required, please check the link. There's some good information there.