Licensing and Insurance Laws
This module will introduce you to the various licensing and insurance requirements that the State of Florida requires you to comply with.
Florida has implemented a graduated licensing law which contains certain curfew provisions with which you must be familiar. The graduated licensing law outlines the times you can drive if you hold a learner’s permit.
In Florida, there are two motor vehicle insurance laws:
Your insurance company will issue you a Florida Insurance I.D. Card. This card must be kept in a place that is easy to reach from the driver’s seat in your vehicle. You must always be ready to show a law enforcement officer proof that you have the required insurance and it is current. The consequences for not having the card are substantial.
Insurance provides a method of paying for loss or damage if you are involved in a collision. Vehicle insurance is a critical part of your driving privilege. You must have the proper insurance coverage.
This module introduces licensing and insurance laws. The topics that will be covered include:
In July 1996, Florida implemented a graduated licensing law which contained curfew provisions which restricted teenage driving at night. This is the period when alcohol-related crashes are most likely to occur. This change may have affected the number of alcohol-related crashes.
All drivers 15 to 17 years old must hold a learner’s license for at least one year before applying for an intermediate license.
During the learner’s license phase, 15 to 17 year old drivers must have a licensed driver over 21 years old in the front passenger seat.
If you have a learner's permit, you may only drive during daylight hours for the first three months. After three months, you may drive until 10:00 p.m.
Once you have had your learner's license for one year without any traffic convictions, you will receive an intermediate license.
If you have an intermediate license and are 16 years old, you may drive unaccompanied between the hours of 6:00 a.m. and 11:00 p.m. If you are 17 years old, you may drive unaccompanied between 5:00 a.m. and 1:00 a.m. If you have a passenger at least 21 years old sitting in the front passenger seat, you may drive at any time.
You will have an intermediate license until you turn 18 years old. After that, all restrictions are removed from your license and you have a full privilege license (7). These stages of the graduated driver licensing (GDL) system include specific components and restrictions to introduce driving privileges gradually to beginning drivers. Novice drivers who are 15 to 18 years old must required to demonstrate responsible driving behavior in each stage of licensing before advancing to the next level/stage of licensing.
2. Financial Responsibility Law:
The Financial Responsibility Law states that owners and operators of motor vehicles must be financially responsible for damages and/or injuries they may cause to others when a motor vehicle crash occurs.
This law requires you to have bodily injury liability insurance during the following times:
3. Insurance Coverage
You must have the following minimum insurance coverage:
Under this law, to protect yourself and others, you should have liability insurance on any motor vehicle you own or drive, including motorcycles. In addition, you must maintain insurance coverage throughout the vehicle registration period or you must surrender the license plate(s) to any driver license office.
4. No-Fault Law
The Florida No-Fault Law requires owners of motor vehicles with four or more wheels (excluding taxis and limousines), that has been in Florida for at least 90 days or non-consecutive days during the past 365 days to purchase a policy delivered or issued for delivery in Florida.
The minimum coverage is:
If you fail to provide proof of insurance, your driver license and license plates will be suspended for up to three years.
You must maintain insurance coverage throughout the vehicle registration period or you must surrender the license plate(s) to any driver licenses office.
If your driver license and license plates are suspended for not having insurance under the No-Fault Law, you will have to pay $150 and show proof of current insurance to get them back. If you are suspended for a second time within three years, you will pay $250. A third offense within three years, and you will have to pay $500. Also, if your driver license and plates have been under suspension for 30 days or more for a no-fault insurance violation, a police officer can seize your license plates immediately (FS 627.730-7405).
5. General Information
You will be issued a Florida Insurance I.D. Card from your insurance company. You must have this card ready to show to any law enforcement officer to prove that you have the required insurance. If you don’t, you may receive a citation for not having proof of insurance. If your driver license or license plates are suspended for not obeying either of these laws, you will not be able to get a temporary license for any reason, not even for work purposes. If you make a false statement or commit a forgery about your motor vehicle insurance, you can be guilty of a second degree misdemeanor.
The Department of Highway Safety and Motor Vehicles will always provide you with an opportunity to prove insurance coverage or be heard before being suspended. You can comply by:
Florida TLSAE/Drug & Alcohol 4 hour Course Online
Who is required to take this 4-hour drug and alcohol course?
This is a first-time drivers ed course for new aspiring drivers. The state of Florida requires all new drivers take a 4-hour drug and alcohol course. If you want your Permit License you must take this course. You can take the DATA course when you are 14 1/2. You can sign up right now at our website. Our course is easy and fun!
Florida first time driver course required to get a Florida drivers license. Florida first time driver courses teach drivers how drugs and alcohol affect driving,. In that situation you have to go home, make a new appointment and return the DMV. Every new driver is required to take a Florida TLSAE course.
Enroll your Florida 4 hour drug and alcohol course online and meet your learner's permit requirement.
Take Your FL Drug & Alcohol Test. FL DMV Authorized. Get Started Now!