The Financial Responsibility Law requires drivers to:
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Be financially responsible for damages they may cause to others when a motor vehicle crash happens.
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Pay $15,000 of Property Damage Liability (PDL)
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Pay their car insurance.
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Share the financial risk of road crashes with the other drivers
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Explanation
In Florida, if you're involved in a collision, you are required to prove that you are financially responsible for all damages you caused. This financial responsibility can be demonstrated by purchasing an insurance policy from a company licensed to do business in Florida or by obtaining a Financial Responsibility Certificate from the DHSMV.
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In Florida, there are two motor vehicle insurance laws. They are:Before a driver can regain driving privileges after losing them because of an unsatisfied judgment suspension resulting from failure to pay for the damages from a crash, the driver must file proof of financial responsibility with the Secretary of State's office.
This question appears in the following DMV practice tests: