• Florida requires no-fault insurance.Coche accidentado image by quicolopez from Fotolia.com
  
  If you register a vehicle in Florida, you can't legally drive it until you have the state-required insurance. One of the required types of coverage is Personal Injury Protection, sometimes called "PIP" or "no fault" insurance. As the term "no fault" implies, PIP covers the owner and owner's family if they're injured in a crash, no matter who caused the accident. PIP also covers the owner and his family while riding in a vehicle they don't own, or if they're walking or riding a bike and are in an accident involving a vehicle, according to the Florida Department of Highway Safety and Motor Vehicles.
  
  

Minimum Limits

• Florida law requires the owner of a vehicle to carry at least $10,000 of PIP as long as the vehicle is registered. This means up to $10,000 in medical bills resulting from a vehicle accident will be covered. The requirement applies to the owner of any vehicle with at least four wheels.
  
  

Moving

• If the vehicle owner moves out of Florida, he still must carry PIP until the vehicle is registered in his new home state. The Florida insurance can then be canceled.
  
  

Penalty

• The owner of a vehicle who does not carry PIP can have her license suspended for up to three years, or until showing proof of insurance. To get the license back, the owner must pay a reinstatement fee of $150 for the first offense. The fee increases for subsequent offenses up to a maximum of $500.
  
  

Part-time Residents

• In Florida, many retirees are part-time residents, spending winters in Florida and summers in a northern state. If they leave their vehicle at their winter home in Florida, they must maintain the required insurance, as long as the vehicle has a valid Florida license plate and registration. As an alternative, owners are allowed to turn in their license plate and registration at a driver's license or tax collector's office. When returning, the owner can register the vehicle, get a new tag and provide proof of the required Florida insurance. Similarly, Florida law requires that anyone who brings a vehicle into the state for at least 90 days must have PIP. The 90 days do not have to be consecutive. For instance, if a person comes to Florida for 60 days in the summer and 60 days in the winter, they are required to have PIP.
  
  

Inoperable Vehicles

• Anyone who owns an inoperable vehicle will still need to carry PIP, if the vehicle is registered. You can turn in your registration and license plate at the driver's license or tax collector's office to avoid insuring the inoperable vehicle.