Insurance Laws and Vehicle Registration

Question 1

No fault law

Answer 1

You will not be able to purchase a license plate or register a vehicle without the appropriate insurance coverage. According to the No-Fault law, an owner of any vehicle with more than four wheels that has been in Florida for at least 90 days during the past year must buy an insurance policy for the state of Florida. The policy must have a minimum coverage amount of $10,000 for personal injury protection and $10,000 for property damage liability. The exceptions to this rule are owners of taxis and limousines.

Question 2

If you fail to renew your policy or if it gets cancelled…

Answer 2

your license and license plate can get suspended for up tp 3 years

Question 3

Turn in your plate before canceling your insurance to prevent…

Answer 3

licnse suspension and reinstatement fees

Question 4

If you get stopped by law enforcement and dont have proof of insurance…

Answer 4

• you go to court and your license and plate may get suspended
• to lift the suspension you will need to et insurance and pay a reinstatement fee of $150-500

Question 5

If your license and plate have been suspended for 30 days or more…

Answer 5

law enforcement ca take your plate away

Question 6

Driving with suspended license

Answer 6

• first degree misdemeanor

- up to 1 year in jail and up tp $1000 in fines

Question 7

If show law enforcement a false or cancled insurance card…

Answer 7

you may be arrested and charged with a second degree misdemeanor

Question 8

When you recieve the notice of suspension of your license…

Answer 8

you may request a hearing

Question 9

financial responsibility law

Answer 9

state legislation that requires drivers to prove their ability to cover the cost of damage or injury caused by an automobile accident

Question 10

When you get a DUI..

Answer 10

you need to have bodily injury liability and increased PDL

Question 11

After getting a DUI high coverage must be in effect for…

Answer 11

3 years

Question 12

If a non FL resident takes a job or enrolls their kid in a FL school, they have ___ days to get FL registration certificate and license plate

Answer 12

10 days

Question 13

Cost of license plate depends on what?

Answer 13

Weight of vehicle

Question 14

When must license plates and registration be renewed?

Answer 14

• on or before the birthday of the first owner listed on the registrtation form
• can be renewed 90 days priot to expiration

Question 15

What must you prove each time you renew?

Answer 15

that you have the required insurance

Question 16

Exempt from renewal usual deadline

Answer 16

• mobile homes renew yearly by December 31
• semi-trucks and semi-trailers renew yearly by December 31
• vehicles owned by companies and corporations and some CMVs renew yearly by June 30