Clearwater Injury Lawyer | Mark Perenich

A client called because he looked on website and it told him that car owners in Florida are required to have insurance coverage in the event of an auto accident.  The law is called the Florida Financial Responsibility Law, the client was looking at the DMV’s website and found the following:

What type of automobile insurance coverage is required for a person causing a crash?

The Florida Financial Responsibility Law requires that any person at fault in a crash resulting in bodily injury and property damage to others must have in effect at the time of the crash full liability insurance coverage. This coverage includes minimum limits of bodily injury liability of $10,000 per person, $20,000 per crash, $10,000 property damage liability per crash, and personal injury protection limits of $10,000 per person per crash.

Car accident Clearwater

It seems that the DMV was referring to the statute below:


324.021?Definitions; minimum insurance required.—The following words and phrases when used in this chapter shall, for the purpose of this chapter, have the meanings respectively ascribed to them in this section, except in those instances where the context clearly indicates a different meaning:


(1)?MOTOR VEHICLE.—Every self-propelled vehicle which is designed and required to be licensed for use upon a highway, including trailers and semitrailers designed for use with such vehicles, except traction engines, road rollers, farm tractors, power shovels, and well drillers, and every vehicle which is propelled by electric power obtained from overhead wires but not operated upon rails, but not including any bicycle or moped. However, the term “motor vehicle” shall not include any motor vehicle as defined in s. 627.732(3) when the owner of such vehicle has complied with the requirements of ss. 627.730-627.7405, inclusive, unless the provisions of s. 324.051 apply; and, in such case, the applicable proof of insurance provisions of s. 320.02 apply.

(7)?PROOF OF FINANCIAL RESPONSIBILITY.—That proof of ability to respond in damages for liability on account of crashes arising out of the use of a motor vehicle:

(a)?In the amount of $10,000 because of bodily injury to, or death of, one person in any one crash;

(b)?Subject to such limits for one person, in the amount of $20,000 because of bodily injury to, or death of, two or more persons in any one crash;

(c)?In the amount of $10,000 because of injury to, or destruction of, property of others in any one crash; and

(d)?With respect to commercial motor vehicles and nonpublic sector buses, in the amounts specified in ss. 627.7415 and 627.742, respectively


Note the part of the statute that says “, the term “motor vehicle” shall not include any motor vehicle as defined in s. 627.732(3)” that motor vehicle is defined in 627.732(3) below:


(3)?“Motor vehicle” means any self-propelled vehicle with four or more wheels which is of a type both designed and required to be licensed for use on the highways of this state and any trailer or semitrailer designed for use with such vehicle and includes:

(a)?A “private passenger motor vehicle,” which is any motor vehicle which is a sedan, station wagon, or jeep-type vehicle and, if not used primarily for occupational, professional, or business purposes, a motor vehicle of the pickup, panel, van, camper, or motor home type.

(b)?A “commercial motor vehicle,” which is any motor vehicle which is not a private passenger motor vehicle.

The term “motor vehicle” does not include a mobile home or any motor vehicle which is used in mass transit, other than public school transportation, and designed to transport more than five passengers exclusive of the operator of the motor vehicle and which is owned by a municipality, a transit authority, or a political subdivision of the state.

We can see that the term motor vehicle is very broad and encompasses most of the vehicles that travel on the road.  In short there is no law that demands one have minimum coverage for bodily injury per crash or per accident.

If you would like to know more please feel free to contact me here.

Clearwater Injury lawyer Perenich Caulfield Avril Noyes

Recommended Posts