FLHSMV Insurance & Financial Responsibility

Question 1

What is the minimum Personal Injury Protection (PIP) coverage required for vehicle owners in Florida?

Accepted Answer

$10,000

Answer

$5,000

Answer

$25,000

Answer

$50,000

Question 2

What is the minimum Property Damage Liability (PDL) insurance required in Florida?

Accepted Answer

$10,000

Answer

$5,000

Answer

$15,000

Answer

$25,000

Question 3

Florida operates under which insurance system, meaning each driver's own insurance pays for their injuries regardless of fault?

Accepted Answer

No-fault system

Answer

Tort liability system

Answer

Comparative negligence system

Answer

Pure fault system

Question 4

What percentage of medical bills does Florida's standard PIP coverage pay after a covered accident?

Accepted Answer

80%

Answer

50%

Answer

75%

Answer

100%

Question 5

What must a Florida vehicle owner do to maintain vehicle registration when it comes to insurance?

Accepted Answer

Maintain required PIP and PDL coverage at all times

Answer

Carry only collision coverage

Answer

Purchase a surety bond with the FLHSMV

Answer

File an annual certificate of self-insurance

Question 6

If a Florida driver cancels their auto insurance without surrendering their license plate, what will the FLHSMV likely do?

Accepted Answer

Suspend the driver's license and registration

Answer

Issue a written warning only

Answer

Require the driver to take a driving course

Answer

Transfer the vehicle title to the state

Question 7

Which document serves as an acceptable proof of insurance that Florida drivers must be able to present when requested by law enforcement?

Accepted Answer

An insurance identification card or policy declaration page

Answer

A receipt from the insurance premium payment

Answer

A copy of the vehicle title

Answer

A notarized letter from the vehicle owner