Florida permit test: laws, points & insurance
Points systems, suspensions, insurance, registration and other legal duties. 9 questions.
What insurance must every Florida vehicle owner carry at minimum?
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Sample laws, points & insurance questions
What insurance must every Florida vehicle owner carry at minimum?
- A $10,000 PIP and $10,000 property damage liability
- B $10,000 PIP and $20,000 bodily injury liability
- C $25,000 bodily injury and $10,000 property damage
- D $5,000 PIP and $5,000 property damage liability
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A. $10,000 PIP and $10,000 property damage liability
Florida's No-Fault Law requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP pays for your own injuries no matter who caused the crash.
Source: The Official Florida Driver License Handbook (Florida Class E Driver License Handbook), page 31
Your car has been in Florida for a total of 90 days over the past year, though not all in a row. What does Florida insurance law require?
- A Nothing until the car has been here six months in a row
- B Only a Florida driver license, with no insurance change
- C Coverage only if the 90 days were all consecutive
- D You must carry Florida PIP and PDL coverage
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D. You must carry Florida PIP and PDL coverage
If you own a vehicle that has been in Florida for 90 days, consecutive or not, within the last 365 days, you must meet the No-Fault insurance requirements. The rule keeps part-time residents from driving uninsured.
Source: The Official Florida Driver License Handbook (Florida Class E Driver License Handbook), page 31
You plan to stop insuring a car that is registered in Florida. What should you do first to avoid having your license suspended?
- A Cancel the insurance, then mail the registration to FLHSMV
- B Turn in the license plate, then cancel the insurance
- C Leave the plate on the car and just keep it parked off the road
- D Tell your insurer, which will cancel the registration for you
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B. Turn in the license plate, then cancel the insurance
If you will not keep insurance for the whole registration period, turn your plate in to a driver license service center before canceling the policy. Otherwise FLHSMV is notified of the lapse and can suspend your license and plate.
Source: The Official Florida Driver License Handbook (Florida Class E Driver License Handbook), page 31
How many points within 12 months will cause a 30-day suspension of a Florida driver license?
- A 12 points
- B 6 points
- C 18 points
- D 24 points
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A. 12 points
Florida suspends your license for 30 days if you collect 12 points in 12 months, 3 months for 18 points in 18 months, and 1 year for 24 points in 36 months. Points come from moving violations.
Source: The Official Florida Driver License Handbook (Florida Class E Driver License Handbook), page 37