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When do I have to show proof that I have auto insurance?

You have to show proof of insurance any time a law enforcement officer asks you to. A law enforcement officer will ask you for proof of insurance if you receive a Florida speeding ticket or are involed in an accident, regardless of whether you caused the accident or not. Police will also ask you for proof of insurance if youre stopped because of a traffic violation or for any other reason. You also have to show proof of insurance when you get or renew your drivers license, register your car, and get your car inspected.

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What other coverages should I consider?

You might also wish to add “Personal Injury Protection,” commonly called PIP. PIP will pay for your and your passengers medical expenses and will replace some lost wages if youre unable to work because of an accident. “Uninsured/Underinsured Motorist” (UM/UIM) coverage pays your expenses from an accident caused by a driver who doesn’t have insurance or doesnt have enough insurance to cover your bills, up to your policys dollar limits. You won’t need this type of insurance for a minor Texas speeding ticket. UM/UIM also pays for accidents caused by a hit-and-run driver if you report the accident promptly to the police.

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