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Have you ever heard of the Bureau of Financial Responsibility? Well, you’re not alone – millions of Florida drivers aren’t aware that this organization has the authority to suspend your driving privileges if you’re caught driving without adequate insurance, or no insurance at all, and you cause a car crash involving bodily injury.

A division of the Florida Department of Highway Safety and Motor Vehicles, Florida’s Bureau of Financial Responsibility acts as the state’s watchdog when it comes to keeping uninsured – and under-insured – drivers off our roads. If you are the driver who caused an accident that involved any type of bodily injury and your own insurance policy does not include Bodily Injury Liability, the Bureau can “cancel, suspend, revoke or disqualify” your Florida driver license.

You’re only required by Florida Statute to carry Personal Injury Protection, or PIP, in order to be driving a motor vehicle legally. However, this minimal coverage is not sufficient to cover the bodily injury to another person who you crash into in an accident, any property damage to either vehicle, or loss of use of the car, such as getting a rental car. When this happens and you’re inadequately covered, the Bureau will obtain a copy of the accident crash report issued by the investigating law enforcement agency. After they review the report and if they determine you were found at fault in the crash, you can kiss your driving privileges goodbye.

Our car crash injury attorneys at Goldberg, Racila, D’Alessandro & Noone want you to be aware of all of the endless details involved if you are involved in any kind of motor vehicle accident. To help you with understanding Florida insurance regulations and what can happen if you fail to carry adequate insurance, we have compiled a list of questions and answers here.

If you’ve been involved in a car or motorcycle crash and want to speak to us about your case, just fill out the short inquiry form, and one of our attorneys will contact you immediately