PIP and PDL are the floor. After a crash you must also be able to pay for the damage you caused. After some serious offenses, Florida makes you carry more insurance for years. Misusing a license or a disabled parking permit is a crime of its own.
Know the rule
After a crash you must prove you are financially responsible for the damages you caused, either with insurance from a company licensed in Florida or with a Financial Responsibility Certificate from FLHSMV.
Handbook p. 32 ↗Extra coverage required after a DUI conviction
| Coverage | Minimum |
|---|---|
| Bodily Injury Liability (BIL), one person | $100,000 |
| BIL, two or more people | $300,000 |
| Property Damage Liability | $50,000 |
Know the rule
The higher DUI limits must stay in effect for three years after the conviction. They end then if you have no further DUI or felony traffic conviction in that time.
Handbook p. 32 ↗Higher limits are also required if:
- Your license was suspended for too many points
- You caused a crash in which people were injured
- Your license was revoked for Habitual Traffic Offender status
- Your license was revoked for any serious offense
Required coverage in those cases
| Option | Amounts |
|---|---|
| Split limits | $10,000 BIL one person / $20,000 two or more |
| Split limits (property) | $10,000 PDL |
| OR combined single limit | $30,000 |
Know the rule
If you don't prove the higher coverage, your license and/or plates are suspended for up to three years. If you caused a crash, FLHSMV can make you pay for the damages before your privilege is reinstated.
Handbook p. 32 ↗Jail or a fine is possible for:
- Altering your license, using it unlawfully, or letting someone else use it
- A fraudulent application for a license or ID card
- Holding more than one credential (US driver license or ID card)
- Letting an unlicensed person use your car, or renting a car to someone with no license
- Giving false statements to police or in court, or knowingly false information in crash reports
Know the rule
A disabled parking permit or plate lets a person with a mobility impairment park free on public streets and meters and in disabled spaces. The vehicle must actually be carrying the permit owner.
Handbook p. 33 ↗Know the rule
Getting or using someone else's disabled permit is a second-degree misdemeanor: a $500 fine or up to 6 months in jail. The car can be towed and the permit confiscated.
Handbook p. 33 ↗Put it into practice
You borrow your grandmother's disabled parking permit to grab a close spot at the mall while she stays home. That's a second-degree misdemeanor. You risk a $500 fine or up to 6 months in jail, a tow, and losing the permit.