Florida Statute 324.011 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXIII
MOTOR VEHICLES

Chapter 324
FINANCIAL RESPONSIBILITY

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324.011 Purpose of chapter.—It is the intent of this chapter to recognize the existing privilege to own or operate a motor vehicle on the public streets and highways of this state when such vehicles are used with due consideration for others and their property, and to promote safety and provide financial security requirements for such owners or operators whose responsibility it is to recompense others for injury to person or property caused by the operation of a motor vehicle. Therefore, it is required herein that the operator of a motor vehicle involved in a crash or convicted of certain traffic offenses meeting the operative provisions of s. 324.051(2) shall respond for such damages and show proof of financial ability to respond for damages in future accidents as a requisite to his or her future exercise of such privileges.

History.—s. 1, ch. 29963, 1955; s. 5, ch. 77-468; s. 134, ch. 79-400; s. 433, ch. 95-148; s. 300, ch. 99-248.

Note.—Former s. 324.001.

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Amendments to 324.011

Annotations, Discussions, Cases:

Cases Citing Statute 324.011

Total Results: 29

Young v. Progressive Southeastern Ins. Co.

753 So. 2d 80, 25 Fla. L. Weekly Supp. 120, 2000 Fla. LEXIS 86, 2000 WL 144188

Supreme Court of Florida | Filed: Feb 10, 2000 | Docket: 592622

Cited 63 times | Published

before they will be permitted to drive in Florida. § 324.011, Fla. Stat. (1995). Motorists can prove compliance

Garcia v. Vanguard Car Rental USA, Inc.

540 F.3d 1242, 2008 U.S. App. LEXIS 17681, 21 Fla. L. Weekly Fed. C 1001

Court of Appeals for the Eleventh Circuit | Filed: Aug 19, 2008 | Docket: 1562484

Cited 56 times | Published

been involved in an accident. See Fla. Stat. § 324.011; see also Lynch-Davidson Motors v. Griffin, 182

State v. Lee

356 So. 2d 276

Supreme Court of Florida | Filed: Feb 23, 1978 | Docket: 1739792

Cited 43 times | Published

course, the legislation had that effect. See § 324.011, Fla. Stat. (1977), as amended by Ch. 77-468,

American Fire and Casualty Company v. Collura

163 So. 2d 784, 1964 Fla. App. LEXIS 4227

District Court of Appeal of Florida | Filed: Apr 15, 1964 | Docket: 2515718

Cited 43 times | Published

ability to respond for damages in future accidents. § 324.011, Florida Statutes, F.S.A. While this is not to

Ramos v. Northwestern Mutual Insurance Co.

336 So. 2d 71

Supreme Court of Florida | Filed: May 26, 1976 | Docket: 2504523

Cited 36 times | Published

concur. ADKINS, J., dissents. NOTES [1] Section 324.011, Florida Statutes, announcing the purpose of

Wilder v. Wright

278 So. 2d 1

Supreme Court of Florida | Filed: May 2, 1973 | Docket: 2447873

Cited 27 times | Published

of a motor vehicle liability policy. F.S. Section 324.011, F.S.A., indicates the primary purpose of the

Garcia Ex Rel. Estate of Garcia v. Vanguard Car Rental USA, Inc.

510 F. Supp. 2d 821, 2007 U.S. Dist. LEXIS 15335, 2007 WL 686625

District Court, M.D. Florida | Filed: Mar 5, 2007 | Docket: 1808737

Cited 22 times | Published

purpose of Chapter 324 is set forth in Fla. Stat. § 324.011: It is the intent of this chapter to recognize

Vargas v. Enterprise Leasing Co.

993 So. 2d 614, 2008 WL 4756388

District Court of Appeal of Florida | Filed: Oct 31, 2008 | Docket: 470003

Cited 19 times | Published

unreliable as precedent on this subject. [27] § 324.011, Fla. Stat. (2008). [28] It is true that § 324

Government Employees Ins. Co. v. Douglas

654 So. 2d 118, 20 Fla. L. Weekly Supp. 113, 1995 Fla. LEXIS 378, 1995 WL 94425

Supreme Court of Florida | Filed: Mar 9, 1995 | Docket: 2518607

Cited 18 times | Published

result from the operation of their vehicles. In section 324.011, Florida Statutes (1993), the legislature set

Enterprise Leasing Co. South Central, Inc. v. Hughes

833 So. 2d 832, 2002 Fla. App. LEXIS 18205, 2002 WL 31769176

District Court of Appeal of Florida | Filed: Dec 12, 2002 | Docket: 2482790

Cited 15 times | Published

caused by the operation of a motor vehicle. See § 324.011, Fla. Stat. (2000). Although the statute, as amended

Larson v. Warren

132 So. 2d 177

Supreme Court of Florida | Filed: Jul 26, 1961 | Docket: 1382154

Cited 14 times | Published

The purpose of the act is well expressed in § 324.011, Florida Statutes, F.S.A.: "It is the intent of

Williams v. Newton

236 So. 2d 98

Supreme Court of Florida | Filed: May 20, 1970 | Docket: 456842

Cited 9 times | Published

[W]ithout precise regard to the language in Section 324.011, the provisions of Section 324.051 are unconstitutional

Soto v. State

711 So. 2d 1275, 1998 WL 250752

District Court of Appeal of Florida | Filed: May 20, 1998 | Docket: 1700604

Cited 6 times | Published

vehicle is also defined as excluding mopeds, § 324.011(1), Fla. Stat. (1995). Appellant argues that these

Allstate Indem. Co. v. Wise

818 So. 2d 524, 2001 WL 574907

District Court of Appeal of Florida | Filed: May 30, 2001 | Docket: 1169584

Cited 5 times | Published

his or her future exercise of such privileges. § 324.011, Fla. Stat. (1995) (emphasis supplied). The financial

Ball v. Inland Mutual Insurance Co.

121 So. 2d 470

District Court of Appeal of Florida | Filed: Jun 2, 1960 | Docket: 1318349

Cited 5 times | Published

requirements of law. The first section of Chapter 324 § 324.011, Fla. Stat., F.S.A. states the purpose of the

Vargas v. Enterprise Leasing Co.

60 So. 3d 1037, 36 Fla. L. Weekly Supp. 187, 2011 Fla. LEXIS 951, 2011 WL 1496474

Supreme Court of Florida | Filed: Apr 21, 2011 | Docket: 153721

Cited 4 times | Published

the purpose of chapter 324, as set forth in section 324.011, Florida Statutes, is “to promote safety and

Foremost Ins. Co. v. Warmuth

649 So. 2d 939, 1995 WL 59306

District Court of Appeal of Florida | Filed: Feb 15, 1995 | Docket: 1320826

Cited 3 times | Published

found in the Financial Responsibility Law, section 324.011 et seq., Florida Statutes (1993). Mullis v

Grant v. New Hampshire Ins. Co.

613 So. 2d 466, 18 Fla. L. Weekly Supp. 107, 1993 Fla. LEXIS 169, 1993 WL 32053

Supreme Court of Florida | Filed: Feb 11, 1993 | Docket: 454198

Cited 3 times | Published

Financial Responsibility Law, as stated in section 324.011, Florida Statutes (1987), is to require the

Hanover Insurance Company v. Bramlitt

228 So. 2d 288

District Court of Appeal of Florida | Filed: Nov 18, 1969 | Docket: 1440432

Cited 3 times | Published

operated upon the public highways as required by Section 324.011 Florida Statutes, F.S.A. Until the law requires

Ennis v. Charter

290 So. 2d 96

District Court of Appeal of Florida | Filed: Feb 21, 1974 | Docket: 450884

Cited 2 times | Published

Florida's financial responsibility law in Section 324.011 thereof states the purpose of the chapter to

Allstate Ins. Co. v. Value Rent-A-Car

463 So. 2d 320, 10 Fla. L. Weekly 117, 1985 Fla. App. LEXIS 11810

District Court of Appeal of Florida | Filed: Jan 3, 1985 | Docket: 448966

Cited 1 times | Published

doctrine and the financial responsibility law of section 324.011(7)] bear on the allocation of risk between

Phoenix Insurance v. McQueen ex rel. McQueen

240 So. 2d 79, 1970 Fla. App. LEXIS 5526

District Court of Appeal of Florida | Filed: Oct 6, 1970 | Docket: 64516901

Cited 1 times | Published

concur. . F.S. § 324.091(1), F.S.A. . F.S. § 324.011, F.S.A.; F.S. § 324.051, F.S.A.; Williams v. Newton

Harrison v. Larson

133 So. 2d 446

District Court of Appeal of Florida | Filed: Sep 21, 1961 | Docket: 60198527

Cited 1 times | Published

29963, Laws of Florida, Acts of 1955. . F.S. § 324.011, F.S.A. . F.S. § 324.051, F.S.A. . F.S. §

Progressive Specialty Insurance Company v. Florida Hospital Ocala, Inc. D/B/A Adventhealth Ocala A/A/O Sandra Thomas

District Court of Appeal of Florida | Filed: Oct 14, 2024 | Docket: 69257779

Published

caused by the operation of a motor vehicle.” § 324.011, Fla. Stat. (2019). The essential obligation

State Farm Mutual Automobile Insurance Company v. Anna Bevilacqua Spangler

Court of Appeals for the Eleventh Circuit | Filed: Apr 3, 2023 | Docket: 65768765

Published

Argued: Nov 18, 2022

erating a motor vehicle in Florida. Fla. Stat. § 324.011. Under the FRL, Florida motorists must

Southeast Title & Insurance v. Thompson

224 So. 2d 718, 1969 Fla. App. LEXIS 5562

District Court of Appeal of Florida | Filed: Jun 24, 1969 | Docket: 64510546

Published

insured it has made its intent clear. See Fla.Stat. § 324.011 et seq., F.S.A. I find nothing in this statute

Phoenix Assurance Co. v. Bankers

202 So. 2d 122, 1967 Fla. App. LEXIS 4261

District Court of Appeal of Florida | Filed: Aug 9, 1967 | Docket: 64502240

Published

repugnant to the Financial Responsibility Law, F.S. 324.011, et seq.; (2) at the time of the delivery of

United States Fidelity & Guaranty Co. v. National Indemnity Co.

258 F. Supp. 444, 1966 U.S. Dist. LEXIS 6729

District Court, S.D. Florida | Filed: Jul 12, 1966 | Docket: 66037459

Published

Florida Financial Responsibility Law of 1955, § 324.011 F.S.A. et seq., when an operator or owner has

Lynch-Davidson Motors v. Griffin

171 So. 2d 911

District Court of Appeal of Florida | Filed: Feb 25, 1965 | Docket: 64492093

Published

al., 214 F.2d 495 (10th Cir. 1954). . F.S. § 324.011, F.S.A. . Citizens’ Ins. Co. v. Barnes et al

This Florida statute resource is curated by Graham W. Syfert, Esq., a Jacksonville, Florida personal injury and workers' compensation attorney. Attorney Syfert regularly works with Chapter 324 in the context of auto insurance and financial responsibility and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.