Insurance & Financial Responsibility Flashcards
7 cards from real FLHSMV practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 Insurance & Financial Responsibility flashcards as text
Florida's no-fault PIP coverage includes a death benefit. What is the maximum death benefit payable under the minimum required PIP policy?
Answer: $5,000
Florida PIP coverage provides a death benefit of up to $5,000 as part of the $10,000 minimum policy limit.
Under Florida law, which of the following is NOT required insurance coverage for a private passenger vehicle?
Answer: Bodily Injury Liability (BIL)
Florida does not mandate Bodily Injury Liability (BIL) coverage for most private passenger vehicle owners, though PIP and PDL are required.
The FLHSMV's online insurance verification system allows the agency to do which of the following?
Answer: Cross-check vehicle registrations against active insurance records in real time
The FLHSMV uses an electronic insurance verification system that cross-references active vehicle registrations with insurers' records to detect coverage lapses.
When must a vehicle owner in Florida notify the FLHSMV to avoid a registration suspension if their insurance is cancelled?
Answer: Surrender the license plate before or at the time the insurance is cancelled
To avoid suspension, a Florida vehicle owner must surrender their license plate before or at the time their insurance is cancelled, removing the obligation to maintain coverage.
Which Florida government entity is primarily responsible for administering and enforcing the state's financial responsibility laws?
Answer: Florida Highway Safety and Motor Vehicles (FLHSMV)
The FLHSMV is the state agency responsible for administering Florida's financial responsibility laws, including license and registration suspensions for insurance lapses.
A Florida driver involved in a crash causing injury or death may be required to file proof of financial responsibility even if they had insurance at the time. How long after such a crash must this be resolved before license suspension takes effect?
Answer: 30 days
The FLHSMV may suspend the license of a driver involved in a crash causing injury or death if financial responsibility is not established within 30 days.
Under Florida's no-fault insurance law, which category of damages may allow an injured party to step outside the no-fault system and sue the at-fault driver?
Answer: Medical expenses exceeding $5,000 or a serious permanent injury
Florida's verbal threshold allows an injured person to sue the at-fault driver when they suffer a permanent injury, significant scarring, or death — stepping outside the no-fault system.