The Insurance Suspension
Fla. Stat. 316.646 — proof in the vehicle, and a suspension of license and registration if proof never comes
Proof in hand. A person required to maintain property damage liability, bodily injury liability, or personal injury protection security has in immediate possession at all times while operating the vehicle proper proof of maintenance of it, and displays that proof on the demand of a law enforcement officer.
The owner who drives without proof. An operator who is the owner or registrant of the vehicle and violates the section commits a nonmoving traffic infraction. If that operator fails to furnish proof, at or before the scheduled court appearance date, that security was in effect at the time of the violation, the court on conviction notifies the department to suspend the operator's registration and driver license, and the license and registration may be reinstated only as provided in s. 324.0221.
The driver who is not the owner. An operator who is not the owner or registrant and violates the section commits a nonmoving traffic infraction.
The phone. Presenting an electronic device displaying proof of insurance does not constitute consent for the officer to access any other information on the device, and the person who presents it assumes liability for damage to it.
Proof that is not real. An operator who presents proof of insurance knowing that the insurance it represents is not currently in force is guilty of a misdemeanor of the first degree.
How much coverage the law requires, and anything more that reinstatement takes, are set out in other sections that are not on this page. Whether a particular charge applies is a question for a licensed Florida attorney.
Sources for this section (1)
- Fla. Stat. 316.646 — Security required; proof of security and display thereof
Legal information, not legal advice. Verified as of September 2026. Applying it to a particular situation is the work of a licensed Florida attorney.