Is Driving A Right Or A Privilege?

Driving is a privilege regulated by the State of Florida. It carries great responsibility. For more information, refer to Chapter 322, Fla. Stat.

Do I Have To Have Car Insurance?

According to Florida law, if you own a motor vehicle with four or more wheels you must carry at least $10,000 of personal injury protection insurance (PIP) also known as no-fault insurance. A minimum of $10,000 of property damage liability insurance is also mandatory (§ 324.021, Fla. Stat.). Failure to provide proof of insurance may…

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What Does PIP Insurance Cover?

Personal injury protection insurance (PIP) provides coverage regardless of whether you cause an accident (are “at-fault”). PIP is designed to reduce the necessity of suing for reimbursement of injuries in auto accidents. PIP may pay for 80% of reasonable and necessary medical expenses, 60% of lost wages and $5,000 for death benefits (§ 627.736, Fla.…

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Who Is Covered Under PIP Insurance?

For accidents that happen in Florida, PIP covers you and relatives who live in your home, certain passengers, and others who drive your car with your permission. Pedestrians and bicyclists are also covered if they are Florida residents.

What Happens If I Have An Accident Outside Of Florida?

You are responsible for reporting the accident to your insurance carrier wherever an accident occurs and may be subject to criminal and/or civil liability in the location of the accident. If you are found guilty or in default of the suit outside of Florida, you may still be held liable in Florida and be subject…

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Who Is Covered Under Property Damage Liability Insurance?

All drivers are required to purchase $10,000 of property damage liability insurance as well as PIP insurance. A $30,000 combined limit of property damage and bodily injury liability is a legal option. This coverage pays for damage you or members of your family cause to other people’s property while driving. The term “property” may include…

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Is It Unlawful To Play My Car Radio At A Loud Volume?

It is unlawful for any person operating or occupying a motor vehicle on a street or highway to operate or amplify the sound produced by a radio, tape player, or other mechanical sound making device or instrument from within the motor vehicle so that it is audible at a distance of 25 feet or more…

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Can My Parents Look At My Driving Records?

Yes. The Department of Highway Safety is required to make the driving records of teens available for viewing by the parent or guardians of the minor via the internet, free of charge. The availability of free records to parents ceases after the minor becomes 18 years old (§ 322.20(13), Fla. Stat.).

Is It Unlawful To Use A Laser?

Yes. It is unlawful for a person to willfully shine, point or focus a laser lighting device on an individual operating a motor vehicle, vessel or aircraft (§ 784.062, Fla. Stat.).

For more information regarding driving, please visit the website at www.flhsmv.gov/index.html.