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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida, including from our Central Florida office in Orlando. Our dedicated experienced personal injury attorneys handle a range of legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

The Trial Pro, P.A. attorneys, carry more than a century of collective legal experience and decades of working together as a team. We have represented hundreds if not thousands of people who have been injured due to car accidents, slip-and-fall, worker's compensation cases, and more. One thing that is clear to us is the essence of partnership. Without it, Trial Pro, P.A. could not be as effective in attaining success for our clients.

Can You Drive A Car Without Insurance In Florida?

Frequently Asked Questions - Can You Drive A Car Without Insurance In Florida?

The state of Florida is considered a “No fault” state which requires that drivers be covered with property damage liability coverage and personal injury protection coverage. So, in short, no you cannot drive a car without insurance in Florida.  It is actually completely illegal to drive in the state of Florida without any car insurance.  One of the reasons you can’t and should not want to be caught driving without insurance in Florida is in the event that you are involved in a car accident.  If you are involved in a car accident in the state of Florida and the vehicle you were driving is not insured, you can run into a plethora of legal and financial issues.  One example of this is If you cause serious injury to another person or cause serious property damage.  If you are not insured, you could be held personally responsible for those damages.  Imagine causing $10,000.00 in damages and someone filing a lawsuit against you personally because you didn’t carry insurance.  In the state of Florida that is a very real possibility.  On top of the financial responsibility you could also lose your driving privileges for an extended period of time.  In many situations’ drivers will lose their driving privileges until the entire cost of the damages are paid to the injured parties involved.  Which could turn out to be a lengthy amount of time and a large chunk of money.

Another reason you cannot drive without insurance in Florida is If a driver that is driving uninsured is found at fault for a serious accident, they could be required to carry a special SR 22 certificate.  This obligates the uninsured driver to carry higher than the minimal coverage under their insurance premiums.  Typically, this is done because insurances consider these types of drivers to be very high risk to insure.  Often times these drivers are required to carry those coverages for roughly 3 years.   Outside of car accidents, drivers that drive without car insurance can also face penalties and fees that can range up to $500.00.  Once the state is made aware that there has been a lapse in your insurance coverage it may become quite difficult to reinstate your insurance and you could also face all different kinds of fee’s when looking to reinstate your insurance.

There’s no work around in the state of Florida either.  In fact, the minute your insurance policy is cancelled the insurance is required to notify the state department of motor vehicles that the policy has been terminated.  If you drop your insurance, it’s mandatory for you to return your plates to the department of motor vehicles or immediately provide them with proof of new insurance on that vehicle.  Not to mention how difficult it becomes to get reinstated with other insurance companies after they are notified that you have had lapses in coverage with other insurances.  Most of these reinstatements and insurance premiums can also grow to become very expensive and unaffordable.  You also run the risk of having your driver’s license and registration suspended by the state if they are notified of a lapse in insurance coverage.    

Remember that although insurance coverages can be pricey the state of Florida has a large variety of insurance companies to choose from for insurance premiums.  Many of these companies offer competitive rates that work with each driver’s budget.  As I mentioned previously, the state of Florida requires you to carry property damage liability coverage and personal injury protection coverage.  To understand why you cannot and again, frankly, should not drive without insurance in Florida it is important to understand what types of different coverages exist and which ones are highly recommended to select in your own auto policy.  The state of Florida requires a minimum of $10,000.00 in property damage liability coverage.  This property damage liability coverage is in place to cover the cost of damage to property that is caused by you in an accident.  In other words, if you are deemed at fault for an accident where there was damage to the other persons property that persons damages will be covered with your property damage liability coverage.  I think we can all agree that we rather our insurances pay for $10,000.00 in damages than having to pay that out of our own pockets.  The other mandatory coverage in the state of Florida is personal injury protection coverage.  The state requires you to carry $10,000.00 in personal injury protection coverage that is allocated to pay your accident related medical bills at 80%.  This coverage is important if you have serious injuries arise as a result of a motor vehicle accident.  I know we’ve stressed the importance of having coverage if you cause someone damage, but it is just as important to have coverage to help yourself in the event that you also suffer serious injuries. 

Another coverage that is not required in Florida but is very important and can be beneficial to have is bodily injury liability coverage.  This coverage ranges from a minimum of $10,000.00 to a high of $1 million or more.  This coverage is in place to protect drivers who have been seriously injured as a result of the negligence of another driver.  Although the state of Florida is a “No Fault” state drivers that cause serious injury to other drivers can be deemed at fault for those collisions.  Bodily injury liability coverage prevents a driver from being held personally responsible for the cost of seriously bodily injury caused to another driver.  As I mentioned before, we can all agree that our insurance is better equipped to pay up than we are.  Ultimately, we can understand that insurance can be expensive at times and it can be a timely process to shop around and get different rates while trying to understand different coverages.  However, the repercussions that can be had by driving a car in Florida with no insurance can turn out to be much more costly than the cost of a month to month plan for car insurance coverage.  Choose wisely!

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Our goal is to make the process as easy as possible for you. You don't even have to come into our office if you cannot travel or adjust your schedule to make it to us. We're more than happy to come to you!

In addition to traveling directly to our clients, the team at Trial Pro, P.A. also pledges to provide clear advice and regular client communication. We know how vital regular contact with our clients is - we never leave you hanging or delay our responses. 

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After experiencing an automobile accident, the last thing you desire is to have an attorney at hand that doesn’t know how to represent you adequately. You want a reputable law firm that will.
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We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively. 
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Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury legal attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations. 
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It would help if you didn't have to beg for a call back from your attorney. It would be best if you didn't have to beg for an update on your case. At Trial Pro, P.A., we don't operate in that manner. We constantly call our clients to give them updates on their claims. If we miss a call, we promise always to return it.
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Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.
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Based in Florida, Trial Pro, P.A. represents clients across Florida from our offices in Miami, Orlando, Ft. Myers, Naples, Delray Beach, Jacksonville, and Daytona Beach. We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other business that you find more convenient. You are always welcome to come into our office as well.

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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida. Our dedicated, experienced personal injury attorneys handle various legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

Trial Pro P.A. Orlando Office

  (407) 300-0000

 250 N Orange Ave 14th Floor
Orlando, FL 32801


Trial Pro P.A. Tampa Office

  (813) 522-5444

 1000 N. Ashley Drive, Suite 512
Tampa, FL, 33602


Trial Pro P.A. Naples Office

  (239) 300-0000

 870 111th Ave N #1
Naples, FL 34108


Trial Pro P.A. Fort Myers Office

  (239) 400-5000

 9341 Marketplace Rd
Fort Myers, FL 33912


Trial Pro P.A. Melbourne Office

  (321) 586-2088

 2551 W. Eau Gallie Blvd., Suite 102
Melbourne, FL, 32935

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250 N Orange Ave, 14th Floor
Orlando, FL 32801
help@trialpro.com
(407) 300-0000


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The information on this website is for general information purposes only. The Information presented at this site should not be construed as formal legal advice nor the formation of an attorney-client relationship. For medical advice and treatment, you should contact a licensed medical professional.