Haris Ashley
In Florida, vehicle owners must carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) insurance. Proof of insurance is required to register or renew a registration, and failure to maintain insurance coverage may result in a suspended license and reinstatement fees. To avoid this, you can update your insurance information through the MyDMV Portal, which provides Floridians with access to online services such as renewing licenses and updating car insurance information. Alternatively, you can take physical proof of insurance to a Florida driver's license office or surrender your license plate/tag before cancelling your insurance.
| Characteristics | Values |
|---|---|
| Required Insurance Coverage | Personal Injury Protection (PIP) and Property Damage Liability (PDL) |
| Minimum Coverage Amounts | $10,000 for PIP and $10,000 for PDL |
| Additional Coverage for Taxis | $125,000 per person and $250,000 per occurrence for Bodily Injury Liability (BIL), and $50,000 for PDL |
| Proof of Insurance Submission | Submit to a Florida driver license office or update through the MyDMV Portal |
| Maintaining Insurance Coverage | Required throughout the registration period, regardless of vehicle location or operability |
| Out-of-State Insurance | Military members stationed out-of-state may be exempt; Florida residents with vehicles located out-of-state may have out-of-state insurance |
| Cancelling Insurance | Surrender license plate/tag before cancelling to avoid suspension and reinstatement fees |
| Warning Letters | May be issued if insurance is canceled, resulting in potential driver's license suspension |
| Reinstating License | Pay reinstatement fees and provide proof of enrollment in an Advanced Driver Improvement class |
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What You'll Learn
- Surrendering your Florida tags and registration after selling your vehicle
- Maintaining continuous insurance coverage during the registration period
- Required insurance coverage amounts for vehicles with at least four wheels
- Updating your car insurance information using the MyDMV Portal
- What to do if you receive a warning letter about your insurance being canceled?
Surrendering your Florida tags and registration after selling your vehicle
If you are selling a titled motor vehicle, you must ensure that the title is properly completed and signed. If you are not accompanying the buyer to a Tax Collector's Service Center or a Tag Agency location to transfer the title, you can record the title as sold by completing a Notice of Sale. Ownership of the vehicle is only transferred when the buyer officially transfers the title into their name.
If the sold vehicle has a valid license plate that will not be transferred to another vehicle, you must surrender the plate to a tax collector's office. You will receive a receipt as proof of surrender, which can be useful for future vehicle registrations. You can locate your nearest Tax Collector's Service Center or partner Tag Agency to hand in the plate in person. Alternatively, you can surrender your license plate by mail. To do this, send the license plate, along with a written request for cancellation and recycling, to the address provided by your local Tax Collector's office. If the license plate has been lost, stolen, or destroyed, you must complete an affidavit and follow the mailing instructions provided by the Tax Collector's office.
It is important to note that failure to surrender a valid license plate when your insurance is canceled or expires may result in the suspension of your driver's license. Therefore, it is crucial to promptly surrender your tags and registration after selling your vehicle to avoid any adverse consequences.
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Maintaining continuous insurance coverage during the registration period
To maintain continuous insurance coverage during the registration period in Florida, you must keep your vehicle insured with a Florida policy. This is a requirement for maintaining a Florida registration, unless you are an active-duty military member (including a spouse or dependent) stationed in another state. In this case, visit the military page for more information.
If you are a non-resident with a Florida-registered vehicle, you must obtain a registration certificate, license plate, and, in most cases, a Florida certificate of title for your vehicle. You must obtain these documents within 10 days of accepting employment or enrolling your children in a Florida public school.
If you cancel or remove your vehicle from a Florida policy, you may receive a letter from the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) notifying you to provide the required insurance coverage information. This may be because you no longer own the vehicle, or because the vehicle is inoperable or otherwise not being driven on public roadways. In these cases, you must surrender your Florida tag and registration at a driver's license office or tax collector's office.
To avoid suspension and reinstatement fees, turn in your license plate at your nearest driver's license office, motor vehicle service center, or Tax Collector's office before canceling your insurance. Failure to maintain the required insurance coverage may result in the suspension of your driver's license and registration, and you may be required to pay a reinstatement fee of up to $500.
To update your car insurance information and remove existing penalties, you can use the MyDMV Portal, which provides Floridians with access to expanded online services. First-time users will need to create an account and have information related to their identification card, driver's license, and motor vehicle records.
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Required insurance coverage amounts for vehicles with at least four wheels
In the state of Florida, if you own a vehicle with four or more wheels, you are required by law to have a minimum of $10,000 in Personal Injury Protection (PIP) and a minimum of $10,000 in Property Damage Liability (PDL) insurance coverage. This is often referred to as "no-fault insurance".
PIP covers 80% of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, regardless of who caused the crash. This includes medical expenses, some out-of-work costs, and funeral costs. It also covers pedestrians and bicyclists, as well as acts of violence against the policyholder while driving, such as carjacking. You may have a deductible of up to $1,000 for PIP coverage.
PDL coverage, on the other hand, pays for damage to another person's property caused by you or someone else driving your insured vehicle. It covers expenses from damage to another person's property when you or someone else driving your insured vehicle was at fault for the accident. The term "property" includes not only another car but also a fence, telephone pole, or building. You may have a deductible of up to $500 for PDL coverage.
It is important to note that these are the minimum requirements, and you may want to consider purchasing additional coverage. The average cost of medical expenses after a disabling accident, for example, is $78,900, which far surpasses the $10,000 minimum requirement.
In addition to the above, vehicles registered as taxis in Florida must carry Bodily Injury Liability (BIL) coverage of $125,000 per person, $250,000 per occurrence, and $50,000 for PDL coverage.
To provide proof of insurance in Florida, you can use the MyDMV Portal, which allows Floridians to access and manage their driver information online. You can also take physical proof of insurance to a Florida driver's license office or call (850) 617-2000 and use DHSMV's automated system to update your information.
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Updating your car insurance information using the MyDMV Portal
To update your car insurance information using the MyDMV Portal, you must first create an account if you are a first-time user. This requires information related to your identification card, driver's license, and motor vehicle records. This information is necessary to answer the security questions related to your record. Once you have created your account, you can log in and update your car insurance information.
In Florida, it is mandatory to maintain continuous insurance coverage throughout the registration period, regardless of the vehicle's location. This means that if you cancel your insurance policy, you must surrender your tag to avoid suspension of your driver's license and registration, as well as reinstatement fees. You can surrender your license plate by downloading, completing, and submitting the Surrender License Plate by Mail Form, along with your plate, to the relevant office.
If you have received a Notice of Suspension regarding an insurance case, you can access information on how to keep your license and registration valid by logging into your MyDMV Portal account. You can also use the portal to clear many insurance suspensions and pay reinstatement fees.
Additionally, Florida law requires all vehicle owners to carry two types of automobile insurance coverage: Personal Injury Protection (PIP) and Property Damage Liability (PDL). PIP covers 80% of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, regardless of who caused the crash. PDL coverage pays for damage to another person's property caused by you or someone else driving your insured vehicle.
Remember, it is essential to keep your car insurance information up-to-date with the DMV to avoid any penalties or suspensions.
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What to do if you receive a warning letter about your insurance being canceled
In Florida, if your insurance company notifies the Department of Highway Safety and Motor Vehicles (DHSMV) that you have cancelled your insurance or removed a vehicle from a policy, and your vehicle has a valid Florida registration, you will receive a letter notifying you to provide the required insurance coverage information. You may also receive a letter from the DHSMV to verify your insurance because of a crash or receiving a citation for driving without proof of insurance.
If you receive a warning letter from the DHSMV stating that your insurance has been cancelled and that you are in danger of losing your driver's license, you should take the following steps:
- Contact your insurance company to find out why your policy isn't being renewed and if there is a possibility of an extension. Insurance companies are not required to provide an extension, but they might offer an extra 30 to 60 days if requested.
- Start shopping around for a new insurance policy. Consider using a local, independent insurance agent or broker who works with multiple insurers, as they may know about smaller companies in your area.
- If your policy was cancelled due to non-payment, make the payment as soon as possible to prevent a lapse in coverage. If you have a mortgage, contact your mortgage company to ensure the issue is not due to a missing or incorrect mortgage clause or loan number.
- If your policy was cancelled due to fraud or misrepresentation, you may not be able to avoid cancellation. However, you can try to contest the decision or find a new insurance company.
- If your policy was cancelled due to a change in circumstances, such as getting a new pet or moving to a new state, inform your insurance provider about the changes and see if there is a possibility of updating your current policy to include these changes.
- If your Florida driver's license is suspended due to lack of insurance, you will need to show proof of enrollment in an Advanced Driver Improvement class before your license can be reinstated.
- Update your insurance information with the DHSMV by calling (850) 617-2000 and using their automated system, or by accessing the MyDMV Portal online.
- Surrender your Florida tags and registration if you no longer own the vehicle or if it is not being driven on public roadways.
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Frequently asked questions
In Florida, the no-fault insurance law states that all vehicle owners must carry two types of automobile insurance coverage: $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL).
Failure to maintain the required insurance coverage in Florida may result in the suspension of your driver's license and registration. You may also be required to pay a reinstatement fee of up to $500.
You can update your car insurance information through the MyDMV Portal or by calling (850) 617-2000 and using the DHSMV's automated system.
No, you generally do not need to notify the DMV if you switch insurance companies.
If you cancel your insurance policy, you must surrender your tags and registration to avoid the suspension of your driver's license and registration, as well as any reinstatement fees.
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