Question: What are the penalties for driving without insurance in the state of Florida?
Answer: In the state of Florida the Department of Highway Safety and Motor Vehicles (HSMV) is authorized to suspend your driving privilege, including your vehicle tag and registration, for up to three (3) years or until proof of Florida insurance is provided, whichever is first, if you are found driving without auto insurance.
If your driving privilege is suspended because you are not properly insured, there is there a penalty to reinstate your license. A reinstatement fee of $150 up to $500, for subsequent violations, must be paid and you must provide proof of current Florida insurance.
The Florida laws require the owner or registrant of a motor vehicle to maintain Personal Injury Protection (PIP) and Property Damage Liability insurance continuously throughout a vehicle registration period. The law allows no exemptions for any reason. FL law also requires all insurance companies to report the initiation and termination of all policies providing this coverage to the HSMV so they can take action on any lapse of the state required auto insurance coverages.
Remember Florida's no-fault insurance law requires vehicle owners to carry at least $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). All licensed insurance companies electronically report to DHSMV when policies providing PIP coverage are cancelled or taken out.
If your insurance company notifies the HSMV that you canceled a policy, and no other active policy is reported by another insurance company, they will send a letter notifying you they need your auto insurance information.
If the HSMV learns that you did have a lapse you are notified they want you to show them you have PIP/PDL insurance for every vehicle you have registered in Florida. A suspension by the HSMV will affect the driver license, tag and registration of the suspended person and can be done after just a 1 day lapse of coverage.