Florida No Fault Auto Insurance – Is it mandatory?

Yes, Florida No Fault Auto Insurance is mandatory.

If you live in Florida or you need to stay in the Sunshine State for longer than 90 days in a single year, you must obtain Florida No Fault Auto Insurance. The Florida Department of Highway Safety and Motor Vehicles does not need the 90 days to be consecutive to require auto insurance on your vehicle.

You must have auto insurance for your vehicle if it has Florida registration tag, even if your vehicle is not currently being used.

The insurance policy can not be from another state and must be issued in Florida. The law requires you to carry a minimum of $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL).

Driving Without No Fault Auto Insurance in Florida.

It is a crime to drive without auto insurance and when, not if, you get caught you will face charges. Police officers in Florida are checking driver’s insurance policies all the time.

Your driving privilege can be suspended by The Department of Highway Safety and Motor Vehicles for up to three years or until you provide a proof of Florida auto insurance.

And suspending your driving privilege is only the beginning. When your driving license is taken away because you are not insured, you will have to pay a fine in order to reinstate your license.

The penalty could be in the region of $150 to $500, with larger sum being paid if you have previous violations.