[Bill14564]

Originally Posted by rsmurano

if your car is in your garage, your home insurance will cover you for liability. Also, if you are rebuilding your car and it's going to be off the road for many months, years, then all you need to have is comprehensiver insurance, which is very cheap. Also, you can self insure.

But, if you have a loan on your car, you have to have it insured based on the requirements of your loaner, because they are the actual owner until you pay it off

From the Florida Highway Safety Page:

Financial Responsibility sanctions can occur once insurance is dropped from the vehicle if the license plate is still actively registered and associated to your vehicle. Failure to surrender a valid license plate when your insurance is cancelled or expires will result in suspension of your driver license.

And from their Insurance Requirements page:

Proof of PIP/PDL coverage must be issued by an insurance company licensed in Florida to sell policies or by qualifying for a self-insurance certificate issued by FLHSMV.

have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL.

and

have continuous coverage even if the vehicle is not being driven or is inoperable. Surrender the license plate/tag BEFORE cancelling your insurance.

To me, the term comprehensive insurance does not include liability insurance. The comprehensive coverage I am familiar with typically covers fire, theft, and glass breakage.