Yes. To register most vehicles in Florida, you need to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL).

Depending on the driver’s situation, the vehicle, or their driving history, other financial responsibility requirements may also apply.

Personal Injury Protection (PIP) is a coverage required in Florida that can help with certain medical expenses and lost income after an accident, regardless of who caused the collision.

There are specific rules and conditions for using these benefits, including a deadline for initial medical treatment. Because of that, if you’re in an accident, it’s important to check your policy’s terms and notify your insurer.

Not necessarily. The legal minimum is simply the amount needed to meet the basic requirements to register your vehicle.

A more serious accident can generate costs beyond your policy limits. That’s why liability limits, uninsured motorist protection, and coverage for your own vehicle should be evaluated based on each driver’s profile and financial situation.

It may be possible. Whether a foreign driver’s license is accepted for insurance purposes depends on each insurer’s criteria.

The rules for driving legally in Florida are a separate matter. Non-residents should follow the requirements that apply to foreign documents, while those who become residents may need to obtain a Florida Driver License within the timeframes set by the state.

Assureline can check which options are available based on your situation.

Usually, yes. Banks, finance companies, and leasing companies typically require Collision and Comprehensive coverage for as long as there’s a loan balance or lease agreement in place.

The lender may also set limits on the deductible and be listed on the policy as a loss payee.

Before enrolling, check the specific requirements in your contract.

Don’t assume you can. Using your vehicle for paid passenger transport, delivery, or other business activities needs to be disclosed to your insurer.

Depending on the activity, the platform, and the company, specific coverage, endorsements, or a different type of insurance policy may be required.

Using your vehicle in a way that’s different from what’s declared on your policy can cause problems when filing a claim.

Required coverage must be maintained for as long as the vehicle remains registered.

Not having insurance can lead to suspension of your driver’s license and vehicle registration or plate, plus costs to reinstate them.

If you plan to cancel insurance on a registered vehicle, check first what steps need to be taken with the state.

«Full Coverage» isn’t the name of a specific coverage and doesn’t mean everything is covered.

The term is used informally to describe a combination of coverages that can include Liability, PIP, Collision, and Comprehensive, among others.

Before enrolling, review each coverage, limit, deductible, and exclusion in the proposal individually.

You’ll typically need information such as:

• driver information;
• the address where the vehicle will be kept;
• driver’s license;
• the vehicle’s make, model, year, and VIN;
• how the vehicle is used;
• estimated mileage;
• financing or leasing details;
• insurance history, if available.

Additional information may be requested depending on the insurer and the risk profile.