Do I Need To Purchase Out Of State Auto Insurance

Reader’s Question:

My job is very flexible that it allows me to visit my boyfriend frequently in Daytona Beach, Florida. And right now, I’m leaving with him. But my place of residence is in Georgia. My question is do I need to purchase auto insurance even if don’t really live here? I know I frequently visit him but technically I still live in Georgia because every once in a while I need to report back to my work in Georgia. Help please anyone! Thanks!

Theresa

Daytona Beach, FL

For you to be required to purchase auto insurance in Florida, I need to know first on how frequently or how long you stay in Florida every year. My boyfriend also frequently visits me and he’s from another state. And he was required to purchase auto insurance here.

According to the Florida Department of Financial Services (DFS) fact sheet that I’ve read, if you stay in Florida, whether you are seasonal or part-time resident for 90 days or more, then you are required to purchase car insurance coverage of Personal Injury Protection (PIP) and Property Damage Liability (PDL). Just to make it clear, the mentioned 90 days does not necessarily have to be consecutive, with this I am assuming that it could be accumulative.

For additional information about car insurance law in Daytona Beach, Florida, you can call the Department of Highway Safety and Motor Vehicles or seek the help of a car insurance agent in your area in Florida.