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Financial responsibility requirements for West Palm Beach, Florida

In some cases, Florida law requires drivers convicted of certain traffic violations, or who are involved in an accident but cannot pay for damages, or who are uninsured, to carry more than the basic PIP and PDL. Such drivers may have to provide proof of insurance in the amounts of:

$10,000 per person
$20,000 per occurrence of bodily injury liability
$10,000 in property damage liability or
a combined single limit of $30,000 per occurrence.

If you are found guilty of or plead no contest to a DUI, you will have to carry even more, including:

$100,000 liability to cover one person injured or killed in one crash
$300,000 liability to cover two or more persons injured or killed in one crash and
$50,000 in property damage liability.

You may opt to post a bond or certificate of $350,000 instead, but whichever you choose, you will have to maintain the extra coverage for three years. If you have a clean driving record at the end of that time, you will be allowed to return to the standard level of required insurance.The Department of Highway Safety and Motor Vehicles will suspend your driver license, vehicle tag and registration if your insurance company cancels your PIP and PDL coverage and you fail to obtain new coverage. To get your license, tag and registration reinstated, you must then provide proof of insurance and pay a reinstatement fee of:

$150 for the first offense
$250 for the second offense and
$500 for each additional offense within a three-year period.