Summary
Florida Statute 627.733 mandates that every vehicle owner or registrant in Florida must secure Personal Injury Protection (PIP) insurance. If your son lives and drives in Florida, his car should be insured there to comply with the law. Even if Colorado insurance offers more coverage, it must meet Floridas specific PIP requirements: $10,000 in PIP, 80% of necessary medical costs, 60% of lost wages, and $5,000 in death benefits. Failure to comply may result in the suspension of driving privileges. Confirm with your insurance agent to ensure all requirements are met.Full Conversation
Will YOU pls explain FL *.*
Sure Janelle, FL *.* refers to Florida's Personal Injury Protection (PIP) law. It states that:
- Florida drivers must carry $*,* in PIP coverage.
- PIP covers *% of necessary medical costs.
- PIP covers *% of lost wages.
- Death benefits are $*,*.
Is there a specific aspect you're interested in?
I live in Colorado and want to insure my son and his car whom live FL on Colorado ins. Will that prevent my son's license from being suspended
In general, a vehicle should be insured in the state it is primarily driven. If your son lives and drives in Florida, his car should be insured there. This might not prevent license suspension in Florida if he doesn't comply with Florida's insurance requirements.
What is the law tho rather than just logical thinking
Florida Statute *.* requires that every owner or registrant of a motor vehicle in Florida must secure Personal Injury Protection (PIP). Failure to do so may result in the suspension of their driving privileges. It's advisable to insure your son's car in Florida.
Key word being advisable. THANK You that interpretation as well
You're welcome, Janelle. Please note the law doesn't advise, it mandates. If a vehicle is primarily used in Florida, it should be registered and insured following Florida's laws to avoid potential legal issues.
As long as he and the car are insured then no law broken correct?
If the car is insured under Colorado law but used primarily in Florida, it might not meet Florida's insurance requirements (FL *.*). This could potentially lead to legal issues, including suspension of your son's driving privileges.
Colorado actually requires more than what FL requires
That's good to know, Janelle. However, does the Colorado insurance cover the specific requirements of Florida's PIP law, namely $*,* in PIP coverage, *% of necessary medical costs, *% of lost wages, and $*,* in death benefits?
I may have to talk with my agent on that and adjust a Lil something just to have all bases covered
That's a wise decision, Janelle. Discussing this with your insurance agent will help ensure your son's coverage meets Florida's specific requirements. Feel free to return if you have more questions.
So that's my question.... If without a shadow of a doubt that FL requirements are met is it legal to suspend his DLdue to no insurance
If the vehicle meets Florida's insurance requirements, there should be no legal basis for suspending your son's driving license due to lack of insurance. However, it's important to confirm this with a local legal expert or your insurance agent.
Thank you so much ☺️
You're welcome, Janelle! I'm glad I could assist. If you have more questions in the future, don't hesitate to ask. Take care!
TRY ME!
Start a new chat