Florida License Reinstatement After Uninsured Suspension

PIP covers your medical bills and lost wages after an accident, regardless of who caused it. If you're returning from an uninsured suspension, skipping PIP is not an option—Florida law requires it on every policy except non-owner.

Covers damage your vehicle causes to other people's property—cars, fences, buildings.

Covers injuries you cause to other people. Florida does not require BI liability at the minimum level, but your SR-22 filing may require it depending on the violation details. Most carriers automatically include 10/20 BI limits even when writing minimum SR-22 policies to avoid underwriting risk.

An SR-22 is not insurance—it's a filing your carrier submits to Florida DHSMV proving you maintain continuous coverage. If your policy lapses for any reason during the 3-year period, the carrier notifies DHSMV electronically within 10 days and your license suspends again. Re-lapsing during the filing period restarts the 3-year clock in Florida.

If you sold your car, had it impounded, or never owned one, non-owner SR-22 satisfies Florida's filing requirement without insuring a vehicle. It covers liability when you drive a borrowed or rental car.