Florida’s motor vehicle insurance laws can be confusing, even to lawyers and judges. It is little wonder, then, that lay people often face unfortunate predicaments because of uninformed insurance decisions. One of the most common predicaments is the suspension of driving privileges and vehicle registrations following a motor vehicle crash.
Vehicle insurance is a significant expense for most people. Every different type of coverage comes at the cost of a premium payment. Only two types of coverage are mandatory in Florida to register a motor vehicle: PIP and property damage liability. Because of cost concerns and a lack of knowledge, many Florida vehicle owners limit themselves to the basic package.
While the basic package allows covered vehicles to be operated lawfully in Florida, it doesn’t prevent the license of each operator and all registrations of the owner of the vehicles operated by such operator from being suspended following a crash involving personal injuries. §324.051(2)(a) Florida Statutes.
This consequence can be avoided by complying with any of the measures outlined in §324.051 Florida Statutes. One of the easiest and cheapest of those measures is the supplementing of the basic insurance package with the maintenance of the bodily injury (BI) insurance coverage contained in §324.021(7) Florida Statutes.
The limits set forth in §324.021(7) are the bare minimum for BI insurance. While we recommend the maintenance of much higher BI limits, as well as other types of coverage (i.e., UM/UIM), having some BI coverage is better than having none at all. Not only does BI coverage prevent the suspension issues discussed above, it buys the services of a defense attorney in the event a personal injury lawsuit is instituted. See, Purchase a Defense Attorney With Florida Bodily Injury (BI) Vehicle Insurance.
Contact us toll free at 866-785-GALE or by email to learn your legal rights.
Jeffrey P. Gale, P.A. is a South Florida based law firm committed to the judicial system and to representing and obtaining justice for individuals – the poor, the injured, the forgotten, the voiceless, the defenseless and the damned, and to protecting the rights of such people from corporate and government oppression. We do not represent government, corporations or large business interests.
While prompt resolution of your legal matter is our goal, our approach is fundamentally different. Our clients are “people” and not “cases” or “files.” We take the time to build a relationship with our clients, realizing that only through meaningful interaction can we best serve their needs. In this manner, we have been able to best help those requiring legal representation.