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YOUR DRIVING PRIVILEGE 9 Driving in Florida is a privilege you earn. In addition to the rules of the road, you must also abide by the following laws in order to maintain your driving privilege. Insurance Laws Florida law requires drivers and vehicle owners to maintain insurance to cover costs in cas...

YOUR DRIVING PRIVILEGE 9 Driving in Florida is a privilege you earn. In addition to the rules of the road, you must also abide by the following laws in order to maintain your driving privilege. Insurance Laws Florida law requires drivers and vehicle owners to maintain insurance to cover costs in case of a crash. These laws include the No-Fault Law and Financial Responsibility Law. No-Fault Law Before you register your car in Florida, you must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage. PIP covers your injuries if you're in a crash, no matter who caused it. PDL coverage pays for damage to other people's property that you caused. Every owner or person in charge of operating a motor vehicle on Florida roadways must: provide proof of valid PIP and PDL insurance at the time of vehicle registration; ▸ have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL coverage; ▸ purchase the policy from an insurance agency licensed to do business in Florida; ▸ maintain the insurance continuously throughout the registration period; and always have proof of valid Florida insurance readily available when the vehicle is being driven on Florida roadways. You must comply if you own a motor vehicle that has been in the state for 90 days (consecutive or non-consecutive) during the last 365 days. You must main- tain proper insurance or your driver license/license plate registration can be suspended. Your insurance company is required by law to notify the FLHSMV when you renew your policy, if you fail to renew it when due, or if the policy is canceled either by you or the insurance company. If you don't renew your coverage or it is canceled, FLHSMV will send you a notice that you must provide proof of new coverage. If you fail to provide proof of new insurance, your driver license and license plate can be suspended for up to three years. If you don't maintain insurance coverage throughout the vehicle registration period, you must turn in the vehicle license plate to any driver license service cen- ter. Turn in your plate BEFORE canceling your insurance to prevent the suspension of your license and to avoid reinstatement fees. Always carry proof of insurance when you or someone else is driving your vehicle. The Official Florida Driver License Handbook-rev. 06/2022 57