Auto Insurance Requirement Florida FL
Reader’s Question:
I live in Clearwater, FL. Is it required for me to have a driver’s license before I can purchase auto insurance?
Francis
Clearwater, FL
Francis, from the point of view of the law, you don’t have to have a driver’s license to be able to purchase auto insurance coverage. The law does not impose this kind of restriction. Technically, you can purchase auto insurance with or without a driver’s license.
However, the law does want you to have any type of permit to drive a car or a motor vehicle. It doesn’t have to be a driver’s license. It could be a learner’s permit, a foreign license, a temporary license. If it’s anything that will allow you to drive around, then the law allows you to get auto insurance coverage. After all, if you’re going to drive around, you need to be insured for your own protection and the people surrounding you.
Okay. We’re through with that. Here’s the thing: while the law is not that strict when it comes to acquiring auto insurance coverage, most insurance companies do have a different view on this. Their rule would usually ask you to have a valid driver’s license before they can provide auto insurance coverage. Usually, a learner’s permit can allow you to be included in the auto insurance policy of your parents, for example, but you won’t be able to buy your own auto insurance coverage using the learner’s permit. You shouldn’t be driving around Florida without a license or auto insurance.
Tags: auto insurance, car insurance law, Driving without License
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