Talk of The Villages Florida - View Single Post - Car insurance required even when car isn't used?
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Old 06-18-2025, 03:37 PM
bopat bopat is offline
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Quote:
Originally Posted by Bill14564 View Post
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.

From that same page, scroll to the bottom:

Self-Insurance
Section 324.171, Florida Statutes outlines the financial requirements for the department to issue a certificate to qualified individuals or other specified entities as a self-insurer.
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