Can I Drive Legally Without Car Insurance in Florida?
Reader’s Question:
I am from Central Pasco, Florida. I have a valid Florida license and auto insurance on my car. I am just wondering are there any states that allow a person to drive legally without auto insurance? I am just curious.
Arthur
No there is none. As far as I know, there are no states in the US that allows a person to drive legally without auto insurance or some sort of financial responsibility. Every state that I am aware of has a financial responsibility law which means that in an event that a person is involved in a vehicular accident he or she is financially ready to pay for the damages incurred from the accident.
In the state of Florida, every car owner who registers a vehicle needs to have and property damage liability insurance (PDL) and personal injury protection (PIP) on the vehicle. In addition, the Florida No Fault Law requires every vehicle owner who has a car for more than 90 days, is working in Florida, or has children that goes to school in Florida to purchase the two mentioned auto insurance policies.
For more information about Florida auto insurance law, ask the Florida Department of Financial Services or your auto insurance agent.
Penalties for Driving Without Auto Insurance in Arizona
Reader’s Question:
I just recently moved here in Casas Adobes, Arizona with my cousin. He let me drive his car whenever he’s not using it. I don’t have car insurance and as far as I know the car I am driving doesn’t have car insurance either. If I am caught driving without car insurance what would happen to me? I just came from New Mexico so I am quite unaware of what might happen to me.
Linda
Driving without car insurance or any proof of financial liability on the car you are using is a violation of the law.
For first time offenders, penalty is a fine amounting to $500 and suspension of the license and registration for a period of 3 months.
Second offense within the 36-month period, would mean paying a fine that amounts to a minimum of $750 with registration and license suspension for 6 months.
Third offense or more within the 36-month period has a fine that amounts to $1,000 and a 12-month suspension of the license and registration.
If I were in your position, I would not drive without car insurance. Just because you are not aware of the law, doesn’t give you the right to break it. You can ask your auto insurance agent in Arizona for auto insurance quotes or even use the websites for faster results of car insurance rates.
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