FLHSMV Insurance & Financial Responsibility 1

Question 1

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

Accepted Answer

$10,000

Answer

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?

Accepted Answer

$10,000

Answer

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?

Accepted Answer

No-fault system

Answer

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?

Accepted Answer

80%

Answer

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?

Accepted Answer

Maintain required PIP and PDL coverage at all times

Answer

Florida law requires that vehicles with an active registration maintain the required PIP and PDL coverage continuously.

(FLHSMV) Florida Highway Safety and Motor Vehicles Practice Test