FLHSMV Insurance & Financial Responsibility 1 — Questions and Answers
Question 1: What is the minimum Personal Injury Protection (PIP) coverage required for vehicle owners in Florida?
- $5,000
- $10,000 (Correct answer)
- $25,000
- $50,000
Correct answer: $10,000
Florida law requires all vehicle owners to carry a minimum of $10,000 in Personal Injury Protection (PIP) coverage.
Question 2: What is the minimum Property Damage Liability (PDL) insurance required in Florida?
- $5,000
- $10,000 (Correct answer)
- $15,000
- $25,000
Correct answer: $10,000
Florida requires a minimum of $10,000 in Property Damage Liability coverage to pay for damage you cause to another person's property.
Question 3: Florida operates under which insurance system, meaning each driver's own insurance pays for their injuries regardless of fault?
- Tort liability system
- No-fault system (Correct answer)
- Comparative negligence system
- Pure fault system
Correct answer: No-fault system
Florida is a no-fault state, requiring drivers to carry PIP coverage that pays for their own medical bills regardless of who caused the accident.
Question 4: What percentage of medical bills does Florida's standard PIP coverage pay after a covered accident?
- 50%
- 75%
- 80% (Correct answer)
- 100%
Correct answer: 80%
Florida PIP coverage pays 80% of reasonable and necessary medical expenses up to the policy limit of $10,000.
Question 5: What must a Florida vehicle owner do to maintain vehicle registration when it comes to insurance?
- Carry only collision coverage
- Maintain required PIP and PDL coverage at all times (Correct answer)
- Purchase a surety bond with the FLHSMV
- File an annual certificate of self-insurance
Correct answer: Maintain required PIP and PDL coverage at all times
Florida law requires that vehicles with an active registration maintain the required PIP and PDL coverage continuously.
Question 6: If a Florida driver cancels their auto insurance without surrendering their license plate, what will the FLHSMV likely do?
- Issue a written warning only
- Suspend the driver's license and registration (Correct answer)
- Require the driver to take a driving course
- Transfer the vehicle title to the state
Correct answer: Suspend the driver's license and registration
The FLHSMV will suspend both the driver's license and vehicle registration if required insurance coverage lapses while the tag is active.
Question 7: Which document serves as an acceptable proof of insurance that Florida drivers must be able to present when requested by law enforcement?
- A receipt from the insurance premium payment
- An insurance identification card or policy declaration page (Correct answer)
- A copy of the vehicle title
- A notarized letter from the vehicle owner
Correct answer: An insurance identification card or policy declaration page
Florida drivers must carry an insurance ID card or policy documents as proof of the required PIP and PDL coverage.
FLHSMV Insurance & Financial Responsibility 1
What is the minimum Personal Injury Protection (PIP) coverage required for vehicle owners in Florida?