When you register a vehicle in Florida it is a requirement that you have valid car insurance. Not only do you need to have an insurance policy, but it must also cover you for both personal injury protection and property damage liability. You need to be able to provide proof of both types of cover before you can register your vehicle in the Sunshine State.
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Personal Injury Protection cover (or PIP) will cover 80% of your medical expenses (to a maximum of $10,000) regardless of who is at fault in the event of an accident.
Meanwhile, PDL (Personal Damage Liability) cover will cover the damage caused to another individual’s property that has either been caused by you yourself or any other individual who is driving your vehicle.
When you want to register your vehicle in Florida you must make certain that you are already fully insured before beginning the paperwork from the Florida DMV or using online registration renewal services. You must have a minimum of $10,000 cover for both PDL and PIP and no gap must exist in your car insurance cover, even if the vehicle is inoperable.
Should you have to surrender your vehicle’s license plate you must do this before you cancel your car insurance. It’s important to dispose of them either by mail at the motor vehicle service center or in person. Alternatively, you could visit the office of your local tax collector.
License plates in Florida are the state’s property and so need to be returned if the plate’s decal is unexpired and the insurance isn’t maintained. On turning them in, you receive a receipt which confirms that you surrendered the plate. If you paid an initial fee for registration for the vehicle you can use it as credit towards your future registration so you don’t need to pay an initial registration fee if you buy a new car.
If you aren’t a Florida resident but accept employment or engage in trade in Florida you need to have a Florida license plate and registration and also to have a Florida vehicle insurance policy. You must register your vehicle within ten days of the beginning of your employment. These requirements also apply if you are enrolling your children in one of Florida’s public schools. You will need to have the car title for the registration process to prove ownership unless your vehicle is out of the state and you cannot release it in the state of Florida.
What Happens If I Move To A Different State From Florida?
It’s important to retain your Florida car insurance without cancelling it until you’ve registered your vehicle in the state where you intend to reside or have surrendered your Florida plates. Should you opt to remain with your existing insurance provider you need to ensure your policy has been changed to include the new residence you’ll be living in.
In order to register a vehicle in Florida you require Florida car insurance. Should you fail to maintain your insurance your license plate could be suspended for as long as 3 hears and your license could also be suspended with an attached fee of as much as $500 to have it reinstated.