Auto Insurance Miami Florida
Reader’s Question:
Do I need car insurance to register my car in Miami Florida? Do I need a driver’s license as well to obtain auto insurance?
Jane
Miami, FL
Yes, you need car insurance to register a vehicle in Florida. When registering a car in Florida you need to submit the proof of Florida insurance and original title to the local county tax collector or license plate agency. Miami Florida insurance means that the policy has been issued in Florida by an insurance provider licensed by the Florida Department of Insurance to do business in FL.
Yes, you will need a driver’s license in order to get auto insurance however some Miami Florida insurance companies will permit you to obtain insurance with the understanding that you will show a valid license within 30 days. Without a license an insurance carrier does not have a driving record to rate you on. If you are purchasing car insurance you have a permit, foreign license or suspended license, most insurance providers will require to you to get a full valid state license within a short period of time, typically 30 days, to keep your policy in effect.
Miami Florida Car Insurance
Reader’s Question:
I cannot afford my auto insurance in Miami, Florida right now. If I follow traffic laws and avoid accidents would there still be penalties for just not having insurance?
Ethan
Miami, FL
According to the FL state statutes, yes, it is illegal to operate a vehicle without insurance in Miami, Florida or anywhere else in Florida.
If you did happen to break a law, or even worse got involved in an accident, and were found by police officer to be driving without insurance you can be convicted. Car insurance is required for a registered cars in FL to be on the roadway.
The Department of Highway Safety and Motor Vehicles states that they are authorized to suspend your driving privilege, including your car registration and tag for up to 3 years or until proof of Florida insurance is provided.
Even if you were not stopped by the law enforcement officer due to following the rules of the road and staying out of accidents, normally the HSMV would find out from your previous insurance company that you cancelled your policy and see that a new policy was not started and thus you have a lapse in your auto insurance.
Auto insurance SR22 Miami FL
Reader’s Question:
I am Italian, living and working in Miami Florida for a year. Do I have to have an SR22 for my auto insurance?
Kelly
Miami, FL
The answer is no. An SR-22 is needed for individuals that have not shown financial responsibility. It is required when car insurance is provided to a person who was in an accident or was convicted of a traffic violation and was unable to show financial responsibility.
It is a certificate which must be filed by the insurance provider stating that car liability insurance is in effect for a particular individual.
You would be notified by the Department of Motor Vehicles in Miami Florida if you are required to obtain an SR-22.