Missing Miami Car Insurance

Driving without Miami car insurance is just one of many ways to lose your driver’s license here.

Don’t lose out on driving on fun roads like these just because you didn’t want to purchase Miami car insurance.

If you enjoy the driving privileges that you have, don’t do anything stupid, like drive without Miami car insurance and end up getting your driver’s license suspended. Driving is not a right that you have been granted under the Constitution, it is a privilege to help you get around the area easier. So just like when a parent punishes a child by taking away something fun when they disobey, if you disobey the law the government is going to take away your fun of being able to drive.

Miami Car Insurance Requirements

To be able to drive in Miami you have to have specific car insurance coverage on your vehicle. These coverage requirements are created by the state, and are in place to protect you from damage that another driver may cause to your property or to you personally.

These required coverages include $10,000 in coverage for liability property damage, and $10,000 in personal injury protection (also known as PIP coverage).

The liability property damage coverage pays for damage that you do to another person’s property with your vehicle.

The PIP coverage is to pay for your own medical expenses. This PIP coverage makes sure that you are taken care of regardless of who is at fault for the accident, and without having to wait for the other person’s insurance company to accept liability for the accident before they will pay for any of your expenses.

No Miami Car Insurance?

If you decide to drive without Miami car insurance you can expect to lose your driver’s license, as well as your vehicle registration for up to three years. You could get it back sooner if you provide the information needed to prove that you have car insurance coverage in place.

But, just providing proof of insurance coverage won’t get you your driving privileges back. You will also be required to pay a reinstatement fee that starts at $150 and can go all the way up to $500 if you keep getting caught driving without Miami car insurance.

Other Ways to Lose Driving Privileges in Miami

Driving around without car insurance isn’t the only way you can lose your driver’s license and/or your vehicle registration. You can also lose your driver’s license for the following acts:

• Points Suspension
• DUI revocation
• Habitual Traffic Offender
• PIP Insurance Cancellation
• Judgment
• Worthless Check
• Child Support
• Out of State suspension
• Out of County suspension
• Any other suspension/revocation that is not for failure to pay or appear for a traffic violation in Miami-Dade County.

Compared to this list, getting caught driving without Miami car insurance is the easiest way to get your license and registration suspended, but it is also the easiest one the prevent.

Source: http://www.flhsmv.gov