Florida Statute 324.021 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXIII
MOTOR VEHICLES

Chapter 324
FINANCIAL RESPONSIBILITY

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324.021 Definitions; minimum insurance required.—The following words and phrases when used in this chapter shall, for the purpose of this chapter, have the meanings respectively ascribed to them in this section, except in those instances where the context clearly indicates a different meaning:

(1) MOTOR VEHICLE.—Every self-propelled vehicle that is designed and required to be licensed for use upon a highway, including trailers and semitrailers designed for use with such vehicles, except traction engines, road rollers, farm tractors, power shovels, and well drillers, and every vehicle that is propelled by electric power obtained from overhead wires but not operated upon rails, but not including any personal delivery device or mobile carrier as defined in s. 316.003, bicycle, electric bicycle, or moped. However, the term “motor vehicle” does not include a motor vehicle as defined in s. 627.732(3) when the owner of such vehicle has complied with the requirements of ss. 627.730-627.7405, inclusive, unless the provisions of s. 324.051 apply; and, in such case, the applicable proof of insurance provisions of s. 320.02 apply.

(2) DEPARTMENT.—The Department of Highway Safety and Motor Vehicles.

(3) OPERATOR.—Every person who is in actual physical control of a motor vehicle.

(4) PERSON.—Every natural person, firm, copartnership, association, or corporation.

(5) NONRESIDENT.—Every person who is not a resident of this state.

(6) LICENSE.—Any license, temporary instruction permit, or temporary license issued under the laws of this state pertaining to the licensing of persons to operate motor vehicles.

(7) PROOF OF FINANCIAL RESPONSIBILITY.—That proof of ability to respond in damages for liability on account of crashes arising out of the use of a motor vehicle:

(a) In the amount of $10,000 because of bodily injury to, or death of, one person in any one crash;

(b) Subject to such limits for one person, in the amount of $20,000 because of bodily injury to, or death of, two or more persons in any one crash;

(d) With respect to commercial motor vehicles and nonpublic sector buses, in the amounts specified in ss. 627.7415 and 627.742, respectively.

(8) MOTOR VEHICLE LIABILITY POLICY.—Any owner’s or operator’s policy of liability insurance furnished as proof of financial responsibility pursuant to s. 324.031, insuring such owner or operator against loss from liability for bodily injury, death, and property damage arising out of the ownership, maintenance, or use of a motor vehicle in not less than the limits described in subsection (7) and conforming to the requirements of s. 324.151, issued by any insurance company authorized to do business in this state, including, but not limited to, a risk retention group operating in accordance with 15 U.S.C. ss. 3901 et seq., which conducts business in this state pursuant to s. 627.944. The owner, registrant, or operator of a motor vehicle is exempt from providing such proof of financial responsibility if he or she is a member of the United States Armed Forces and is called to or on active duty outside this state or the United States, or if the owner of the vehicle is the dependent spouse of such active duty member and is also residing with the active duty member at the place of posting of such member, and the vehicle is primarily maintained at such place of posting. The exemption provided by this subsection applies only as long as the member of the armed forces is on such active duty outside this state or the United States and the owner complies with the security requirements of the state of posting or any possession or territory of the United States.

(9) OWNER; OWNER/LESSOR; APPLICATION.—

(a) Owner.—A person who holds the legal title of a motor vehicle; or, in the event a motor vehicle is the subject of an agreement for the conditional sale or lease thereof with the right of purchase upon performance of the conditions stated in the agreement and with an immediate right of possession vested in the conditional vendee or lessee, or in the event a mortgagor of a vehicle is entitled to possession, then such conditional vendee or lessee or mortgagor shall be deemed the owner for the purpose of this chapter.

(b) Owner/lessor.—Notwithstanding any other provision of the Florida Statutes or existing case law:

1. The lessor, under an agreement to lease a motor vehicle for 1 year or longer which requires the lessee to obtain insurance acceptable to the lessor which contains limits not less than $100,000/$300,000 bodily injury liability and $50,000 property damage liability or not less than $500,000 combined property damage liability and bodily injury liability, shall not be deemed the owner of said motor vehicle for the purpose of determining financial responsibility for the operation of said motor vehicle or for the acts of the operator in connection therewith; further, this subparagraph shall be applicable so long as the insurance meeting these requirements is in effect. The insurance meeting such requirements may be obtained by the lessor or lessee, provided, if such insurance is obtained by the lessor, the combined coverage for bodily injury liability and property damage liability shall contain limits of not less than $1 million and may be provided by a lessor’s blanket policy.

2. The lessor, under an agreement to rent or lease a motor vehicle for a period of less than 1 year, shall be deemed the owner of the motor vehicle for the purpose of determining liability for the operation of the vehicle or the acts of the operator in connection therewith only up to $100,000 per person and up to $300,000 per incident for bodily injury and up to $50,000 for property damage. If the lessee or the operator of the motor vehicle is uninsured or has any insurance with limits less than $500,000 combined property damage and bodily injury liability, the lessor shall be liable for up to an additional $500,000 in economic damages only arising out of the use of the motor vehicle. The additional specified liability of the lessor for economic damages shall be reduced by amounts actually recovered from the lessee, from the operator, and from any insurance or self-insurance covering the lessee or operator. Nothing in this subparagraph shall be construed to affect the liability of the lessor for its own negligence.

3. The owner who is a natural person and loans a motor vehicle to any permissive user shall be liable for the operation of the vehicle or the acts of the operator in connection therewith only up to $100,000 per person and up to $300,000 per incident for bodily injury and up to $50,000 for property damage. If the permissive user of the motor vehicle is uninsured or has any insurance with limits less than $500,000 combined property damage and bodily injury liability, the owner shall be liable for up to an additional $500,000 in economic damages only arising out of the use of the motor vehicle. The additional specified liability of the owner for economic damages shall be reduced by amounts actually recovered from the permissive user and from any insurance or self-insurance covering the permissive user. Nothing in this subparagraph shall be construed to affect the liability of the owner for his or her own negligence.

1. The limits on liability in subparagraphs (b)2. and 3. do not apply to an owner of motor vehicles that are used for commercial activity in the owner’s ordinary course of business, other than a rental company that rents or leases motor vehicles. For purposes of this paragraph, the term “rental company” includes only an entity that is engaged in the business of renting or leasing motor vehicles to the general public and that rents or leases a majority of its motor vehicles to persons with no direct or indirect affiliation with the rental company. The term “rental company” also includes:

a. A related rental or leasing company that is a subsidiary of the same parent company as that of the renting or leasing company that rented or leased the vehicle.

b. The holder of a motor vehicle title or an equity interest in a motor vehicle title if the title or equity interest is held pursuant to or to facilitate an asset-backed securitization of a fleet of motor vehicles used solely in the business of renting or leasing motor vehicles to the general public and under the dominion and control of a rental company, as described in this subparagraph, in the operation of such rental company’s business.

2. Furthermore, with respect to commercial motor vehicles as defined in s. 627.732, the limits on liability in subparagraphs (b)2. and 3. do not apply if, at the time of the incident, the commercial motor vehicle is being used in the transportation of materials found to be hazardous for the purposes of the Hazardous Materials Transportation Authorization Act of 1994, as amended, 49 U.S.C. ss. 5101 et seq., and that is required pursuant to such act to carry placards warning others of the hazardous cargo, unless at the time of lease or rental either:

a. The lessee indicates in writing that the vehicle will not be used to transport materials found to be hazardous for the purposes of the Hazardous Materials Transportation Authorization Act of 1994, as amended, 49 U.S.C. ss. 5101 et seq.; or

b. The lessee or other operator of the commercial motor vehicle has in effect insurance with limits of at least $5,000,000 combined property damage and bodily injury liability.

3.a. A motor vehicle dealer, or a motor vehicle dealer’s leasing or rental affiliate, that provides a temporary replacement vehicle at no charge or at a reasonable daily charge to a service customer whose vehicle is being held for repair, service, or adjustment by the motor vehicle dealer is immune from any cause of action and is not liable, vicariously or directly, under general law solely by reason of being the owner of the temporary replacement vehicle for harm to persons or property that arises out of the use, or operation, of the temporary replacement vehicle by any person during the period the temporary replacement vehicle has been entrusted to the motor vehicle dealer’s service customer if there is no negligence or criminal wrongdoing on the part of the motor vehicle owner, or its leasing or rental affiliate.

b. For purposes of this section, and notwithstanding any other provision of general law, a motor vehicle dealer, or a motor vehicle dealer’s leasing or rental affiliate, that gives possession, control, or use of a temporary replacement vehicle to a motor vehicle dealer’s service customer may not be adjudged liable in a civil proceeding absent negligence or criminal wrongdoing on the part of the motor vehicle dealer, or the motor vehicle dealer’s leasing or rental affiliate, if the motor vehicle dealer or the motor vehicle dealer’s leasing or rental affiliate executes a written rental or use agreement and obtains from the person receiving the temporary replacement vehicle a copy of the person’s driver license and insurance information reflecting at least the minimum motor vehicle insurance coverage required in the state. Any subsequent determination that the driver license or insurance information provided to the motor vehicle dealer, or the motor vehicle dealer’s leasing or rental affiliate, was in any way false, fraudulent, misleading, nonexistent, canceled, not in effect, or invalid does not alter or diminish the protections provided by this section, unless the motor vehicle dealer, or the motor vehicle dealer’s leasing or rental affiliate, had actual knowledge thereof at the time possession of the temporary replacement vehicle was provided.

c. For purposes of this subparagraph, the term:

(I) “Control” means the power to direct the management and policies of a person, whether through ownership of voting securities or otherwise.

(II) “Motor vehicle dealer’s leasing or rental affiliate” means a person who directly or indirectly controls, is controlled by, or is under common control with the motor vehicle dealer.

d. For purposes of this subparagraph, the term “service customer” does not include an agent or a principal of a motor vehicle dealer or a motor vehicle dealer’s leasing or rental affiliate, and does not include an employee of a motor vehicle dealer or a motor vehicle dealer’s leasing or rental affiliate unless the employee was provided a temporary replacement vehicle:

(I) While the employee’s personal vehicle was being held for repair, service, or adjustment by the motor vehicle dealer;

(II) In the same manner as other customers who are provided a temporary replacement vehicle while the customer’s vehicle is being held for repair, service, or adjustment; and

(III) The employee was not acting within the course and scope of his or her employment.

(10) JUDGMENT.—Any judgment becoming final by expiration without appeal of the time within which an appeal might have been perfected, or by final affirmation on appeal, rendered by a court of competent jurisdiction of any state or of the United States upon a cause of action arising out of the ownership, maintenance, or use of any motor vehicle for damages, including damages for care and loss of services because of bodily injury to or death of any person, or for damages because of injury to or destruction of property, including the loss of use thereof, or upon a cause of action on an agreement of settlement for such damage.

(11) REGISTRATION.—Registration certificate or certificates and registration plates issued under the laws of this state pertaining to the registration of motor vehicles.

History.—s. 1, ch. 29963, 1955; ss. 13, 35, ch. 69-106; s. 1, ch. 71-59; s. 100, ch. 71-377; s. 1, ch. 72-297; ss. 1, 2, ch. 73-180; s. 1, ch. 76-266; s. 6, ch. 76-286; s. 1, ch. 77-118; s. 6, ch. 77-468; s. 135, ch. 79-400; s. 562, ch. 82-243; s. 2, ch. 83-200; s. 2, ch. 86-18; s. 3, ch. 86-229; s. 21, ch. 87-161; ss. 6, 7, ch. 88-370; s. 1, ch. 96-362; s. 28, ch. 99-225; s. 301, ch. 99-248; s. 9, ch. 2001-271; s. 1, ch. 2005-156; s. 1, ch. 2007-49; s. 42, ch. 2008-176; s. 6, ch. 2017-150; s. 9, ch. 2018-130; s. 13, ch. 2020-69; s. 2, ch. 2020-108; s. 18, ch. 2021-51; s. 6, ch. 2023-186; s. 1, ch. 2024-172.

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Amendments to 324.021

Annotations, Discussions, Cases:

Cases Citing Statute 324.021

Total Results: 170

Mullis v. State Farm Mutual Automobile Insurance Co.

252 So. 2d 229

Supreme Court of Florida | Filed: Jul 1, 1971 | Docket: 1399276

Cited 176 times | Published

"in not less than the limits described in Section 324.021(7), F.S. * * * for the protection of persons

Sellers v. United States Fidelity & Guaranty Co.

185 So. 2d 689, 1966 Fla. LEXIS 3641

Supreme Court of Florida | Filed: Apr 20, 1966 | Docket: 1308139

Cited 119 times | Published

in the Motor Vehicle Responsibility Law [F.S. § 324.021(7), F.S.A.]. Provision is made in the last paragraph

Berges v. Infinity Ins. Co.

896 So. 2d 665, 29 Fla. L. Weekly Supp. 679, 2004 Fla. LEXIS 2099, 2004 WL 2609255

Supreme Court of Florida | Filed: Nov 18, 2004 | Docket: 2451741

Cited 112 times | Published

statutory financial responsibility requirements of section 324.021, Florida Statutes (2003). It is inescapable

Roe v. Amica Mut. Ins. Co.

533 So. 2d 279, 13 Fla. L. Weekly 603, 1988 Fla. LEXIS 1117, 1988 WL 103832

Supreme Court of Florida | Filed: Oct 6, 1988 | Docket: 1656402

Cited 57 times | Published

the financial responsibility law is $10,000. § 324.021(7)(a), Fla. Stat. (1987).

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

out of the use of the motor vehicle. Fla. Stat. § 324.021(9)(b)(2). Thus, the statute explicitly countenances

Tucker v. Government Employees Insurance Co.

288 So. 2d 238

Supreme Court of Florida | Filed: Dec 13, 1973 | Docket: 1326480

Cited 55 times | Published

vehicle" in not less than the limits described in Section 324.021(7) "for the protection of persons insured thereunder

FL. DEPT. OF ENVIRONMENTAL PROTECTION v. Contractpoint Florida Parks, LLC

986 So. 2d 1260, 33 Fla. L. Weekly Supp. 493, 38 Envtl. L. Rep. (Envtl. Law Inst.) 20173, 2008 Fla. LEXIS 1240, 2008 WL 2678812

Supreme Court of Florida | Filed: Jul 10, 2008 | Docket: 1426739

Cited 44 times | Published

Court applied the plain, literal meaning of section 324.021(9)(b), Florida Statutes (1987), which provided:

Aurbach v. Gallina

753 So. 2d 60, 2000 WL 124392

Supreme Court of Florida | Filed: Feb 3, 2000 | Docket: 56814

Cited 41 times | Published

its operation." [2] We note, however, that section 324.021(9)(b), Florida Statutes (1997), provides a

Aetna Cas. & Sur. v. Huntington Nat. Bank

609 So. 2d 1315, 17 Fla. L. Weekly Supp. 750, 1992 Fla. LEXIS 2096, 1992 WL 370406

Supreme Court of Florida | Filed: Dec 17, 1992 | Docket: 1473510

Cited 37 times | Published

question of great public importance: [W]hether section 324.021(9)(b) is applicable to long term leases which

Kraemer v. General Motors Acceptance Corp.

572 So. 2d 1363, 16 Fla. L. Weekly Supp. 20, 1990 Fla. LEXIS 1779, 1990 WL 252117

Supreme Court of Florida | Filed: Dec 20, 1990 | Docket: 1518889

Cited 37 times | Published

instrumentality doctrine by defining owner in section 324.021(9)(a), Florida Statutes (1989), to include

Nat. Merchandise Co., Inc. v. United Serv. Auto. Ass'n

400 So. 2d 526

District Court of Appeal of Florida | Filed: Jun 17, 1981 | Docket: 2034683

Cited 36 times | Published

maintenance or use of a motor vehicle ..." Section 324.021(8), Florida Statutes (1979).[3] In Section

Standard Accident Insurance Company v. Gavin

184 So. 2d 229, 24 A.L.R. 3d 1359, 1966 Fla. App. LEXIS 5660

District Court of Appeal of Florida | Filed: Mar 15, 1966 | Docket: 1735542

Cited 34 times | Published

therein * * * in not less than limits described in § 324.021(7) [$10,000 for bodily injury or death of one

Valiant Ins. Co. v. Webster

567 So. 2d 408, 15 Fla. L. Weekly Supp. 405, 1990 Fla. LEXIS 965, 1990 WL 107462

Supreme Court of Florida | Filed: Jul 26, 1990 | Docket: 2552098

Cited 31 times | Published

"in not less than the limits described in Section 324.021(7), F.S. * * * for the protection of persons

Tuggle v. Government Employees Insurance Co.

207 So. 2d 674, 24 A.L.R. 3d 1343

Supreme Court of Florida | Filed: Jan 31, 1968 | Docket: 194811

Cited 28 times | Published

thereto, in not less than limits described in § 324.021(7), under provisions filed with and approved by

Wilder v. Wright

278 So. 2d 1

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

Cited 27 times | Published

certain monetary limits prescribed in F.S. Section 324.021(7), F.S.A. The plain facts of life are that

Ady v. American Honda Finance Corp.

675 So. 2d 577, 1996 WL 122173

Supreme Court of Florida | Filed: Mar 21, 1996 | Docket: 1694568

Cited 26 times | Published

dangerous instrumentality doctrine provided in section 324.021(9)(b), Florida Statutes (1991), the statute

Howard v. American Service Mutual Insurance Co.

151 So. 2d 682, 8 A.L.R. 3d 382, 1963 Fla. App. LEXIS 3571

District Court of Appeal of Florida | Filed: Apr 2, 1963 | Docket: 1254756

Cited 25 times | Published

motor vehicle liability policy as defined in § 324.021(8) and § 324.151, or "(2) Posting with the state

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

vehicles. The dispute is whether Florida Statute § 324.021(9)(b)(2), establishing damages caps on such vicarious

Harmon v. State Farm Mutual Automobile Ins. Co.

232 So. 2d 206

District Court of Appeal of Florida | Filed: Feb 13, 1970 | Docket: 1300496

Cited 22 times | Published

insurance with the minimum limits specified in § 324.021(7) of the Florida Statutes, F.S.A. Therefore,

Southeast Title and Insurance Company v. Austin

202 So. 2d 179

Supreme Court of Florida | Filed: Sep 13, 1967 | Docket: 491158

Cited 22 times | Published

thereto, in not less than limits described in § 324.021(7), under provisions filed with and approved by

Grant v. State Farm Fire and Cas. Co.

638 So. 2d 936, 19 Fla. L. Weekly Supp. 333, 1994 Fla. LEXIS 983, 1994 WL 275175

Supreme Court of Florida | Filed: Jun 23, 1994 | Docket: 1168466

Cited 21 times | Published

other definitions of a car or motor vehicle. Section 324.021(1), Florida Statutes (1991), also known as

Aetna Casualty & Surety Company v. Enright

258 So. 2d 472, 1972 Fla. App. LEXIS 7257

District Court of Appeal of Florida | Filed: Feb 29, 1972 | Docket: 1236758

Cited 21 times | Published

thereto, in not less than limits described in § 324.021(7), under provisions filed with and approved by

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

the Graves Amendment, Congress preempted section 324.021(9)(b)2, Florida Statutes (2007), involving

Lumbermen's Mut. Cas. Co. v. Beaver

355 So. 2d 441

District Court of Appeal of Florida | Filed: Feb 14, 1978 | Docket: 1715123

Cited 18 times | Published

with limits not less than those described in Section 324.021(7) (limits of $10,000/$20,000). The statute

Abdala v. World Omni Leasing, Inc.

583 So. 2d 330, 1991 WL 111442

Supreme Court of Florida | Filed: Jun 27, 1991 | Docket: 1684164

Cited 16 times | Published

concur. NOTES [1] Abdala also contends that § 324.021(9)(b), Fla. Stat. (1987), cannot be applied to

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

rule. In addition, appellant contends that section 324.021, Florida Statutes (2000), which limits the

In Re Standard Jury Instructions in Civil Cases—Report No. 09-01

35 So. 3d 666, 35 Fla. L. Weekly Supp. 149, 2010 Fla. LEXIS 302

Supreme Court of Florida | Filed: Mar 4, 2010 | Docket: 1646266

Cited 14 times | Published

who has complied with all the requirements of F.S. 324.021(9)(b)1, is not liable for its negligent operation

Weathers v. Mission Insurance Company

258 So. 2d 277, 1972 Fla. App. LEXIS 7201

District Court of Appeal of Florida | Filed: Feb 15, 1972 | Docket: 1657229

Cited 14 times | Published

thereto, in not less than limits described in § 324.021(7), under provisions filed with and approved by

Morrison Assurance Company, Inc. v. Polak

230 So. 2d 6

Supreme Court of Florida | Filed: Dec 17, 1969 | Docket: 1691342

Cited 14 times | Published

627.0851, F.S.A., and F.S. Section 324.021(7), F.S.A. *9 Section 324.021(7) of the chapter relating to

Larson v. Warren

132 So. 2d 177

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

Cited 14 times | Published

complaint also prayed for a final decree adjudicating § 324.021 et seq., Florida Statutes, F.S.A., as violative

Gordon v. Phoenix Insurance Company

242 So. 2d 485, 1970 Fla. App. LEXIS 5373

District Court of Appeal of Florida | Filed: Dec 31, 1970 | Docket: 1336941

Cited 13 times | Published

thereto, in not less than limits described in § 324.021(7), under provisions filed with and approved by

United States Fidelity and Guaranty Co. v. Sellers

179 So. 2d 608, 1965 Fla. App. LEXIS 3798

District Court of Appeal of Florida | Filed: Nov 4, 1965 | Docket: 1196058

Cited 13 times | Published

thereto, in not less than limits described in § 324.021(7), under provisions filed with and approved by

Standard Marine Ins. Co. v. Allyn

333 So. 2d 497, 1976 Fla. App. LEXIS 15153

District Court of Appeal of Florida | Filed: Jun 23, 1976 | Docket: 1290948

Cited 12 times | Published

Florida Statutes 627.730-627.741. [4] Florida Statute 324.021(1). [5] Davis v. United Fidel. & G. Co

Continental Insurance Co. v. Wallace

233 So. 2d 195

District Court of Appeal of Florida | Filed: Mar 10, 1970 | Docket: 1767267

Cited 12 times | Published

within the limits as required by Florida law. See § 324.021(7) and § 324.151(1) (a), Fla. Stat., F.S.A. Wallace

Riccio v. Allstate Ins. Co.

357 So. 2d 420

District Court of Appeal of Florida | Filed: Mar 14, 1978 | Docket: 454028

Cited 11 times | Published

thereto, in not less than the limits described in § 324.021(7), and in an amount up to 100 percent of the

Lopez v. Midwest Mutual Insurance Company

223 So. 2d 550

District Court of Appeal of Florida | Filed: Jun 3, 1969 | Docket: 1759382

Cited 11 times | Published

thereto, in not less than limits described in § 324.021(7), under provisions filed with and approved by

Diversified Services, Inc. v. Avila

606 So. 2d 364, 17 Fla. L. Weekly Supp. 619, 1992 Fla. LEXIS 1797, 1992 WL 289665

Supreme Court of Florida | Filed: Oct 15, 1992 | Docket: 230922

Cited 10 times | Published

company authorized to do business in this state." § 324.021(8), Fla. Stat. (1983). Because the employer in

Lipof v. Florida Power and Light Co.

596 So. 2d 1005, 17 Fla. L. Weekly Supp. 117, 1992 Fla. LEXIS 243, 1992 WL 27891

Supreme Court of Florida | Filed: Feb 20, 1992 | Docket: 1707232

Cited 10 times | Published

requirements for a "motor vehicle liability policy." Section 324.021(8) defines "motor vehicle liability policy"

Aetna Cas. & Sur. Co. v. HUNTINGTON NAT. BK.

587 So. 2d 483, 1991 Fla. App. LEXIS 8382, 1991 WL 164398

District Court of Appeal of Florida | Filed: Aug 28, 1991 | Docket: 1405834

Cited 10 times | Published

Huntington in turn argues that Florida law, viz. section 324.021(9)(b), Florida Statutes, governs and the UM

Perry v. GMAC Leasing Corp.

549 So. 2d 680, 1989 WL 80706

District Court of Appeal of Florida | Filed: Jul 21, 1989 | Docket: 1373913

Cited 10 times | Published

claimed. The basis for the summary judgment was section 324.021(9)(b), Florida Statutes (1987), which provides:

Carguillo v. State Farm Mut. Auto. Ins. Co.

529 So. 2d 276, 1988 WL 59159

Supreme Court of Florida | Filed: Jun 9, 1988 | Docket: 1523794

Cited 10 times | Published

cycle because it is not a motor vehicle under Section 324.021(1). Thus, the policy provision at hand does

Southeast Title and Insurance Co. v. Thompson

231 So. 2d 201, 1970 Fla. LEXIS 2848

Supreme Court of Florida | Filed: Jan 28, 1970 | Docket: 1708512

Cited 10 times | Published

the financial responsibility law. See F.S. Section 324.021(7), F.S.A. The only difference between uninsured

Rose v. Teitler

736 So. 2d 122, 1999 WL 415209

District Court of Appeal of Florida | Filed: Jun 23, 1999 | Docket: 2531623

Cited 9 times | Published

pursuant to section 324.021(9), Florida Statutes (Supp.1996). We affirm. Section 324.021(9) provides

Fischer v. Alessandrini

907 So. 2d 569, 2005 WL 1590013

District Court of Appeal of Florida | Filed: Jul 8, 2005 | Docket: 618925

Cited 8 times | Published

accident. Fischer's motion was filed pursuant to section 324.021(9)(b)(3), Florida Statutes (1999), which limits

Bush Leasing, Inc. v. Gallo

634 So. 2d 737, 1994 WL 91909

District Court of Appeal of Florida | Filed: Mar 24, 1994 | Docket: 1472695

Cited 8 times | Published

insurance policies on the automobile comply with section 324.021 (9)(b), Florida Statutes, it is exempt from

Dupuis v. Vanguard Car Rental USA, Inc.

510 F. Supp. 2d 980, 2007 U.S. Dist. LEXIS 70471, 2007 WL 2788609

District Court, M.D. Florida | Filed: Sep 24, 2007 | Docket: 1809578

Cited 7 times | Published

limits on the liability of lessors in Fla. Stat. § 324.021(9)(b)(2). Caps of $350,000 and $500,000 (depending

Kraemer v. GMAC

556 So. 2d 431, 1989 WL 156222

District Court of Appeal of Florida | Filed: Dec 27, 1989 | Docket: 542852

Cited 7 times | Published

before the accident, the legislature amended section 324.021(9)(b), Florida Statutes (1987), to provide

Vanguard Car Rental USA, Inc. v. Drouin

521 F. Supp. 2d 1343, 2007 U.S. Dist. LEXIS 74634, 2007 WL 2915903

District Court, S.D. Florida | Filed: Oct 5, 2007 | Docket: 1252975

Cited 6 times | Published

lawsuits brought pursuant to Florida statute § 324.021 because of an exceptibn in the federal law; and

Folmar v. Young

560 So. 2d 798, 1990 WL 8579

District Court of Appeal of Florida | Filed: Feb 6, 1990 | Docket: 1477920

Cited 6 times | Published

lessor was immune from liability *799 under section 324.021(9)(b), Florida Statutes (1987), which exempts

Indomenico v. State Farm Mut. Auto Ins. Co.

388 So. 2d 29, 1980 Fla. App. LEXIS 17985

District Court of Appeal of Florida | Filed: Sep 16, 1980 | Docket: 1520975

Cited 6 times | Published

of a highway vehicle and is consistent with Section 324.021(1), Florida Statutes (1977). In the instant

Vanguard Car Rental USA, Inc. v. Huchon

532 F. Supp. 2d 1371, 2007 U.S. Dist. LEXIS 76399, 2007 WL 2875388

District Court, S.D. Florida | Filed: Sep 14, 2007 | Docket: 2014543

Cited 5 times | Published

Plaintiffs is made pursuant to Florida Statute § 324.021(9)(b), which Defendant claims is a financial responsibility

Estate of Villanueva v. Youngblood

927 So. 2d 955, 2006 WL 708181

District Court of Appeal of Florida | Filed: Mar 22, 2006 | Docket: 1765636

Cited 5 times | Published

lessee meets certain insurance requirements. See § 324.021(9)(b), Fla. Stat. (2002). The courts have created

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

doctrine places upon the typical Florida family. See § 324.021(9), Fla. Stat. (2000).

United Services Auto. Ass'n v. Phillips

740 So. 2d 1205, 1999 WL 550790

District Court of Appeal of Florida | Filed: Jul 30, 1999 | Docket: 1456913

Cited 5 times | Published

C.J., and WHATLEY, J., Concur. NOTES [1] Section 324.021(1), Florida Statutes (1995). defines "motor

Clough v. Govt. Employees Ins. Co.

636 So. 2d 127, 1994 WL 140740

District Court of Appeal of Florida | Filed: Apr 22, 1994 | Docket: 1361299

Cited 5 times | Published

required to be licensed for use upon a highway... ." § 324.021(1), Fla. Stat. This clearly includes motorcycles

Budget Rent a Car Systems v. Taylor

626 So. 2d 976, 1993 WL 406624

District Court of Appeal of Florida | Filed: Oct 13, 1993 | Docket: 1285936

Cited 5 times | Published

of financial responsibility as provided in section 324.021(7). Budget did so by demonstrating its ability

Reliance Ins. Co. v. Maryland Cas. Co.

453 So. 2d 854

District Court of Appeal of Florida | Filed: Jul 11, 1984 | Docket: 1163087

Cited 5 times | Published

injury protection coverage as required by Section 324.021(7), Florida Statutes, and the financial responsibility

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

vehicle liability policy" (§ 324.031) as defined in § 324.021(8) and § 324.151. So far as is here germane, §

Trevino v. Mobley

63 So. 3d 865, 2011 Fla. App. LEXIS 8817, 2011 WL 2268559

District Court of Appeal of Florida | Filed: Jun 10, 2011 | Docket: 2364894

Cited 4 times | Published

was decided prior to the 1999 enactment of section 324.021(9)(b)3., Florida Statutes, which limits 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

GRAVES AMENDMENT, 49 U.S.C. § 30106, PREEMPT SECTION 324.021(9)(b)2, FLORIDA STATUTES (2007)? Id. at 624

West v. Enterprise Leasing Co.

997 So. 2d 1196, 2008 WL 5263719

District Court of Appeal of Florida | Filed: Dec 19, 2008 | Docket: 1378344

Cited 4 times | Published

(a) whether liability imposed pursuant to section 324.021(9)(b)(2), Florida Statutes (2006), with respect

Karling v. Budget Rent a Car System, Inc.

2 So. 3d 354, 2008 Fla. App. LEXIS 18371, 2008 WL 5100530

District Court of Appeal of Florida | Filed: Dec 5, 2008 | Docket: 1644129

Cited 4 times | Published

owners up to the liability limits set forth in section 324.021(9)(b)2., Florida Statutes) and that this legislation

Diebel v. S.B. Trucking Co.

262 F. Supp. 2d 1319, 2003 U.S. Dist. LEXIS 13136, 2003 WL 1870953

District Court, M.D. Florida | Filed: Apr 9, 2003 | Docket: 2241103

Cited 4 times | Published

immune from liability pursuant to Fla. Stat. § 324.021(9)(1), which provides that: (b) Ownwe/lessor

MIAMI STAGE LIGHTING v. Budget Rent-A-Car

712 So. 2d 1135, 1998 WL 299790

District Court of Appeal of Florida | Filed: Jun 10, 1998 | Docket: 1472153

Cited 4 times | Published

THE LIMITS OF LIABILITY AS REQUIRED BY FLORIDA STATUTE 324.021(7). Interamerican, 615 So.2d at 245 (emphasis

Martin v. St. Paul Fire & Marine Ins. Co.

670 So. 2d 997, 1996 WL 46591

District Court of Appeal of Florida | Filed: Feb 7, 1996 | Docket: 1671421

Cited 4 times | Published

vehicle" for purposes of financial responsibility. § 324.021(1), Fla.Stat. (1993). This antique automobile

Kraemer v. GMAC

613 So. 2d 483, 1992 WL 386376

District Court of Appeal of Florida | Filed: Dec 30, 1992 | Docket: 454201

Cited 4 times | Published

this court to consider the application of section 324.021(9)(b), Florida Statutes (Supp. 1986). That

Folmar v. Young

591 So. 2d 220, 1991 WL 110841

District Court of Appeal of Florida | Filed: Jun 26, 1991 | Docket: 541563

Cited 4 times | Published

Kraemer, the Supreme Court made it clear that section 324.021(9)(a), Florida Statutes (1989) "did not reflect

State Farm Mut. Auto. Ins. Co. v. Lewis

425 So. 2d 603

District Court of Appeal of Florida | Filed: Dec 29, 1982 | Docket: 1657992

Cited 4 times | Published

thereunder to the extent of the limits described in Section 324.021(7) "who are legally entitled to recover damages

Allstate Ins. Co. v. Almgreen

376 So. 2d 1184

District Court of Appeal of Florida | Filed: Oct 12, 1979 | Docket: 1411338

Cited 4 times | Published

Further, the Financial Responsibility Law, Section 324.021, Fla. Stat. (1977), restricts that definition

Tocha v. Richardson

995 So. 2d 1100, 2008 WL 4998729

District Court of Appeal of Florida | Filed: Nov 26, 2008 | Docket: 1684974

Cited 3 times | Published

responsibility laws, and appellant claimed section 324.021(9)(b)2, Florida Statutes (2003), is such a

PROGRESSIVE EXP. INS. CO. v. Devitis

924 So. 2d 878, 2006 WL 470840

District Court of Appeal of Florida | Filed: Mar 1, 2006 | Docket: 1736028

Cited 3 times | Published

required to provide the PIP coverage under section 324.021(9)(b)(2), Florida Statutes (2002). Commendably

Sontay v. Avis Rent-A-Car Systems, Inc.

872 So. 2d 316, 2004 WL 784545

District Court of Appeal of Florida | Filed: Apr 14, 2004 | Docket: 1357083

Cited 3 times | Published

action which was granted by the trial court. Section 324.021(9), Florida Statutes, effectively limits the

BUDGET REN-A-CAR SYSTEMS, INC. v. Bennett

847 So. 2d 579, 2003 WL 21396011

District Court of Appeal of Florida | Filed: Jun 18, 2003 | Docket: 1290026

Cited 3 times | Published

Budget informed the Plaintiffs that pursuant to Section 324.021(9)(b)(2), Florida Statutes (1999), which limits

Hamid v. Metro Limo, Inc.

619 So. 2d 321, 1993 WL 130549

District Court of Appeal of Florida | Filed: Apr 27, 1993 | Docket: 1381990

Cited 3 times | Published

injures passengers or third persons). Compare § 324.021(9)(b) (automobile lessor is absolved of liability

Interamerican Car Rental, Inc. v. SAFEWAY INSURANCE COMPANY

615 So. 2d 244, 1993 Fla. App. LEXIS 2468, 1993 WL 63490

District Court of Appeal of Florida | Filed: Mar 9, 1993 | Docket: 1184681

Cited 3 times | Published

THE LIMITS OF LIABILITY AS REQUIRED BY FLORIDA STATUTE 324.021(7)." We conclude that this provision fully

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

required to comply with the requirements of section 324.021(7), Florida Statutes (1987).[3] Therefore,

Raynor v. De La Nuez

574 So. 2d 1091, 1991 WL 6563

Supreme Court of Florida | Filed: Jan 15, 1991 | Docket: 1436947

Cited 3 times | Published

in favor of the defendant on the basis of section 324.021(9)(b), Florida Statutes (1987), which creates

St. Paul Mercury Ins. Co. v. MacDonald

509 So. 2d 1139, 12 Fla. L. Weekly 1478

District Court of Appeal of Florida | Filed: Jun 12, 1987 | Docket: 1715451

Cited 3 times | Published

limits to $15,000/$30,000, effective July 1, 1975. § 324.021(7), Fla. Stat. (1975). St. Paul notified the MacDonalds

Andriakos v. Cavanaugh

350 So. 2d 561

District Court of Appeal of Florida | Filed: Oct 7, 1977 | Docket: 1715724

Cited 3 times | Published

produce evidence of insurance as provided in Section 324.021. Thus, by the passage of the Florida Automobile

Hayes v. Thomas

161 So. 2d 545

District Court of Appeal of Florida | Filed: Feb 26, 1964 | Docket: 1522472

Cited 3 times | Published

motor vehicle liability policy as defined in § 324.021(8) and § 324.151, or * * *" Sec. 324.021(8) provides:

Rosado v. Daimlerchrysler Financial Services Trust

1 So. 3d 1200, 2009 Fla. App. LEXIS 967, 2009 WL 277435

District Court of Appeal of Florida | Filed: Feb 6, 2009 | Docket: 252250

Cited 2 times | Published

Amendment to a long-tenn automobile lease under section 324.021(9)(b)(l). The Amendment’s application, however

Edwards v. CA Motors, Ltd.

985 So. 2d 1147, 2008 WL 2434159

District Court of Appeal of Florida | Filed: Jun 18, 2008 | Docket: 1673302

Cited 2 times | Published

affirmative defense that recovery is barred by section 324.021(9)(b), Florida Statutes (2006). The statute

Brown v. Ford

900 So. 2d 646, 30 Fla. L. Weekly Fed. D 836

District Court of Appeal of Florida | Filed: Mar 30, 2005 | Docket: 463236

Cited 2 times | Published

judgment against Brown in accordance with section 324.021(9)(b)3., Florida Statutes, which limits damages

General Motors Acceptance Corp. v. Davis

664 So. 2d 1025, 1995 WL 669193

District Court of Appeal of Florida | Filed: Nov 13, 1995 | Docket: 1229867

Cited 2 times | Published

pursuant to section 324.021, Florida Statutes, it was immune from liability. Section 324.021(9)(b), Florida

Gedert v. Southeast Bank Leasing Co.

637 So. 2d 253, 1994 Fla. App. LEXIS 43, 1994 WL 6715

District Court of Appeal of Florida | Filed: Jan 12, 1994 | Docket: 422609

Cited 2 times | Published

satisfies the statutory requirement of Florida Statute 324.021(9)(b). We reverse. This case involves a

Grant v. State Farm Fire and Cas. Co.

620 So. 2d 778, 1993 Fla. App. LEXIS 7625, 1993 WL 100148

District Court of Appeal of Florida | Filed: Jul 21, 1993 | Docket: 1722691

Cited 2 times | Published

required to be licensed for use upon a highway... ." § 324.021(1), Fla. Stat. (1991). In comparison, section

Travelers Indem. Co. v. Suazo

614 So. 2d 1071, 18 Fla. L. Weekly Supp. 9, 1992 Fla. LEXIS 2123

Supreme Court of Florida | Filed: Dec 24, 1992 | Docket: 1509813

Cited 2 times | Published

resolve all remaining issues in the case. Section 324.021(7), Florida Statutes (1989), sets the general

American States Ins. Co. v. Baroletti

566 So. 2d 314, 15 Fla. L. Weekly Fed. D 2055

District Court of Appeal of Florida | Filed: Aug 10, 1990 | Docket: 1529168

Cited 2 times | Published

purposes of statutory financial responsibility. See § 324.021(1), Fla. Stat. (1987). Fowler does not apply in

Lane v. Allstate Ins. Co.

472 So. 2d 823, 10 Fla. L. Weekly 1679, 1985 Fla. App. LEXIS 14971

District Court of Appeal of Florida | Filed: Jul 10, 1985 | Docket: 1794241

Cited 2 times | Published

21(1)) and the Financial Responsibility Law (section 324.021(1)) should be read in pari materia, which compels

EXECUTIVE CAR & TRUCK LEAS. v. DeSerio

470 So. 2d 21, 10 Fla. L. Weekly 1102

District Court of Appeal of Florida | Filed: May 1, 1985 | Docket: 1261247

Cited 2 times | Published

a motor vehicle must carry to $10,000. See section 324.021(7), Florida Statutes (1983). Then in Insurance

Canal Ins. Co. v. Giesenschlag

454 So. 2d 88

District Court of Appeal of Florida | Filed: Aug 24, 1984 | Docket: 444653

Cited 2 times | Published

that the policy in question complied with section 324.021, Florida Statutes (1979), which required insurance

Progressive Mutual Insurance Co. v. Brown

229 So. 2d 645, 1969 Fla. App. LEXIS 6512

District Court of Appeal of Florida | Filed: Dec 23, 1969 | Docket: 430119

Cited 2 times | Published

thereto, in not less than limits described in § 324.021(7), under provisions filed with and approved by

Araj v. Renfro

260 So. 3d 1121

District Court of Appeal of Florida | Filed: Nov 30, 2018 | Docket: 64699943

Cited 1 times | Published

jury verdict against Mr. Araj pursuant to section 324.021(9)(b)3., Florida Statutes (2011). We reverse

Amica Mutual Insurance Co. v. Willis

235 So. 3d 1041

District Court of Appeal of Florida | Filed: Jan 17, 2018 | Docket: 60286100

Cited 1 times | Published

require liability insurance for a golf cart. See § 324.021(1), Fla. Stat. (2014) (defining “[m]otor vehicle”

Angelotta v. Security National Insurance

117 So. 3d 1214, 2013 WL 3357518, 2013 Fla. App. LEXIS 10754

District Court of Appeal of Florida | Filed: Jul 5, 2013 | Docket: 60232585

Cited 1 times | Published

such, was a “motor vehicle” as defined in section 324.021. Because section 324.151(l)(b) requires that

Bowen v. Taylor-Christensen

98 So. 3d 136, 2012 Fla. App. LEXIS 14627, 2012 WL 3758626

District Court of Appeal of Florida | Filed: Aug 31, 2012 | Docket: 60312192

Cited 1 times | Published

property damage. § 324.021(9)(b)3., Fla. Stat. (1999)4 (emphasis added). Section 324.021(9)(a), Florida

DaimlerChrysler Insurance Co. v. Arrigo Enterprises, Inc.

63 So. 3d 68, 2011 Fla. App. LEXIS 7171, 2011 WL 1878009

District Court of Appeal of Florida | Filed: May 18, 2011 | Docket: 2364956

Cited 1 times | Published

operation of the dangerous instrumentality doctrine. § 324.021(9)(b)1. Nothing in the statute requires a party

Parker v. ENTERPRISE LEASING COMPANY OF ORLANDO

37 So. 3d 389, 2010 Fla. App. LEXIS 8761, 2010 WL 2425948

District Court of Appeal of Florida | Filed: Jun 18, 2010 | Docket: 188030

Cited 1 times | Published

GRAVES AMENDMENT, 49 U.S.C. § 30106, PREEMPT SECTION 324.021(9)(B)(2.), FLORIDA STATUTES (2007)? QUESTION

Francis v. DOLLAR RENT a CAR SYSTEMS INC.

37 So. 3d 264, 2009 Fla. App. LEXIS 3375, 2009 WL 275188

District Court of Appeal of Florida | Filed: Feb 6, 2009 | Docket: 2565709

Cited 1 times | Published

GRAVES AMENDMENT, 49 U.S.C § 30106, PREEMPT SECTION 324.021(9)(B)(2), FLORIDA STATUTES (2007)? As this

Brookins v. Ford Credit Titling Trust

993 So. 2d 178, 2008 Fla. App. LEXIS 16968, 2008 WL 4756385

District Court of Appeal of Florida | Filed: Oct 31, 2008 | Docket: 1516357

Cited 1 times | Published

the lessor was entitled to judgment under section 324.021(9)(b)1, Florida Statutes (2007). Because it

Lewis v. Enterprise Leasing Co.

912 So. 2d 349, 2005 WL 2447873

District Court of Appeal of Florida | Filed: Oct 5, 2005 | Docket: 1755640

Cited 1 times | Published

vehicles to another. Id. The legislature enacted section 324.021(9)(b), Florida Statutes, in order to limit

Progressive Exp. Ins. Co. v. Boyce

821 So. 2d 445, 2002 WL 1585616

District Court of Appeal of Florida | Filed: Jul 19, 2002 | Docket: 1236160

Cited 1 times | Published

& Cas. Co., 638 So.2d 936, 937 (Fla.1994). Section 324.021(1), Florida Statutes (1999), the Financial

Suazo Ex Rel. Suazo v. Del Busto

587 So. 2d 480, 1991 WL 152939

District Court of Appeal of Florida | Filed: Nov 5, 1991 | Docket: 1405773

Cited 1 times | Published

v. Lehman, 55 Fla. 847, 47 So. 18 (1908). Section 324.021(7), Florida Statutes (1989), which establishes

Berwald v. GMAC

570 So. 2d 1109

District Court of Appeal of Florida | Filed: Dec 6, 1990 | Docket: 1704381

Cited 1 times | Published

insurance as agreed. Effective August 6, 1986,[1] section 324.021(9)(b),[2] Florida Statutes, provides that:

Snider v. Continental Ins. Co.

519 So. 2d 12, 1987 WL 1093

District Court of Appeal of Florida | Filed: Jan 28, 1988 | Docket: 1332539

Cited 1 times | Published

responsible for the first $10,000 of damages. § 324.021(7) and § 627.7263, Fla. Stat. (1985). Snider and

Harrison v. Larson

133 So. 2d 446

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

Cited 1 times | Published

§ 324.141.” F.S. § 324.-121, F.S.A. . F.S. § 324.021(10), F.S.A. . Nulter v. State Road Commission

DRJ Atlantic, LLC D/B/A Hyundai of Jacksonville v. Amir Babadi,Cheryl Yeschenko, State Farm Mutual Automobile Insurance Company and Progressive American Insurance Company

District Court of Appeal of Florida | Filed: Sep 5, 2024 | Docket: 69133356

Published

which asserted immunity from liability under section 324.021(9)(c)3.a., Florida Statutes (2020). We dismiss

DRJ Atlantic, LLC D/B/A Hyundai of Jacksonville v. Amir Babadi,Cheryl Yeschenko, State Farm Mutual Automobile Insurance Company and Progressive American Insurance Company

District Court of Appeal of Florida | Filed: Sep 5, 2024 | Docket: 69133356

Published

which asserted immunity from liability under section 324.021(9)(c)3.a., Florida Statutes (2020). We dismiss

Bruce Kyle Emerson v. Kyle Michael Lambert

Supreme Court of Florida | Filed: Nov 16, 2023 | Docket: 68012029

Published

circumstances presented here is $600,000. See § 324.021(9)(b)3., Fla. Stat. (2023). 3. We have jurisdiction

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

vehicle” that appeared in Florida Statutes § 324.021, also known as the Financial Responsibility Law

ARTHUR SAGER v. MADALINA BLANCO AND RICARDO F. BLANCO

District Court of Appeal of Florida | Filed: Oct 12, 2022 | Docket: 65417127

Published

roads, depending on the duration of the lease, § 324.021(9)(b)1., 2., Fla. Stat. (2022), and, finally

ARTHUR SAGER v. MADALINA BLANCO AND RICARDO F. BLANCO

District Court of Appeal of Florida | Filed: Jun 15, 2022 | Docket: 63385757

Published

persons and lend their car to any permissive user, § 324.021(9)(b)3., Fla. Stat. Additionally, in 2005

BRIAN WALKER, as Personal Representative of the ESTATE OF SOPHIE C. WALKER, etc. v. GEICO INDEMNITY INSURANCE COMPANY and CARLOS ENRIQUE GILL RAMIREZ a/k/a CARLOS GILL

District Court of Appeal of Florida | Filed: Jun 3, 2020 | Docket: 17218385

Published

in determining the coverage available under section 324.021(9)(b)(3), Florida Statutes, and limiting the

BRIAN WALKER, as Personal Representative of the ESTATE OF SOPHIE C. WALKER, etc. v. GEICO INDEMNITY INSURANCE COMPANY and CARLOS ENRIQUE GILL RAMIREZ a/k/a CARLOS GILL

District Court of Appeal of Florida | Filed: Mar 25, 2020 | Docket: 17009726

Published

in determining the coverage available under section 324.021(9)(b)(3), Florida Statutes, and limiting the

American Southern Home Insurance Company v. Louis Philip Lentini, etc.

Supreme Court of Florida | Filed: Dec 19, 2019 | Docket: 16761669

Published

thereto, in not less than limits described in § 324.021(7) . . . .”), with § 627.727(1), Fla. Stat. (2015)

TIMOTHY PATRICK COLLINS v. AUTO PARTNERS v. LLC, d/b/a MCGUIRE CHEVROLET

District Court of Appeal of Florida | Filed: Jul 31, 2019 | Docket: 15992405

Published

mitigate damages; the damages were limited by section 324.021, Florida Statutes, because the dealership leased

Araj v. Renfro

260 So. 3d 1121

District Court of Appeal of Florida | Filed: Nov 30, 2018 | Docket: 64699944

Published

jury verdict against Mr. Araj pursuant to section 324.021(9)(b)3., Florida Statutes (2011). We reverse

Richbell v. Toussaint

221 So. 3d 764, 2017 WL 2664701, 2017 Fla. App. LEXIS 8972

District Court of Appeal of Florida | Filed: Jun 21, 2017 | Docket: 60268385

Published

owner of one of the vehicles, , . pursuant to section 324.021(9)(b)(3), Florida Statutes (2014). We affirm

Ward v. Morlock

218 So. 3d 981, 2017 WL 1788020, 2017 Fla. App. LEXIS 6362

District Court of Appeal of Florida | Filed: May 5, 2017 | Docket: 6061252

Published

raised by the parties, including the effect of section 324.021(9)(b)3., Florida Statutes (2017). Although

Classy Cycles, Inc. v. Bay County

201 So. 3d 779, 2016 Fla. App. LEXIS 14507

District Court of Appeal of Florida | Filed: Sep 28, 2016 | Docket: 60257072

Published

insurance for certain vehicles under Florida law. Section 324.021(9)(b)2. limits the potential liability of lessors

Saterbo v. Markuson

210 So. 3d 135, 2016 Fla. App. LEXIS 14107

District Court of Appeal of Florida | Filed: Sep 21, 2016 | Docket: 4423911

Published

statutory cap on Stephen’s liability pursuant to section 324.021(9)(b)(3), Florida Statutes (2005). That section

De Los Santos v. Brink

167 So. 3d 519, 2015 Fla. App. LEXIS 9984, 2015 WL 4002557

District Court of Appeal of Florida | Filed: Jul 2, 2015 | Docket: 60248491

Published

limitations of [Santos’] responsibility pursuant to section 324.021(9)(b)3., Florida Statutes (2008).” On appeal

Youngblood v. Villanueva

141 So. 3d 600, 2014 WL 2117874, 2014 Fla. App. LEXIS 7688

District Court of Appeal of Florida | Filed: May 21, 2014 | Docket: 60241959

Published

wherein the trial court improperly applied section 324.021(9)(b)(3), Florida Statutes (2002), to limit

Rosado v. DaimlerChrysler Financial Services Trust

112 So. 3d 1165, 38 Fla. L. Weekly Supp. 217, 2013 WL 1338047, 2013 Fla. LEXIS 566

Supreme Court of Florida | Filed: Apr 4, 2013 | Docket: 60230981

Published

LABARGA, J., dissenting. I respectfully dissent. Section 324.021(9)(b)(l) imposes financial responsibility upon

Ortiz v. Regalado

113 So. 3d 57, 2013 WL 765008, 2013 Fla. App. LEXIS 3320

District Court of Appeal of Florida | Filed: Mar 1, 2013 | Docket: 60231576

Published

Mr. Ortiz contends in his first issue that section 324.021(9)(b)(3), Florida Statutes (2006), should be

Maerz v. DAIMLER CHRYSLER FINANCIAL TRUST

78 So. 3d 724, 2012 WL 315871, 2012 Fla. App. LEXIS 1385

District Court of Appeal of Florida | Filed: Feb 3, 2012 | Docket: 2585066

Published

GRAVES AMENDMENT, 49 U.S.C. § 30106, PREEMPT SECTION 324.021(9)(b)l., FLORIDA STATUTES? AFFIRMED; QUESTION

Garcia v. GEICO GENERAL INSURANCE CO.

712 F. Supp. 2d 1316, 2010 U.S. Dist. LEXIS 70887, 2010 WL 1982923

District Court, S.D. Florida | Filed: May 10, 2010 | Docket: 2403747

Published

doctrine to car rental companies); Fla. Stat. § 324.021(9)(b)(2) (imposing vicarious liability on car

Karling v. Budget Rent a Car System, Inc.

2 So. 3d 356, 2009 Fla. App. LEXIS 3618, 2009 WL 275183

District Court of Appeal of Florida | Filed: Feb 6, 2009 | Docket: 2584199

Published

GRAVES AMENDMENT, 49 U.S.C. § 30106, PREEMPT SECTION 324.021(9)(B)(2), FLORIDA STATUTES (2007)? This is

Fair v. Reese

6 So. 3d 73, 2009 Fla. App. LEXIS 5011, 2009 WL 175445

District Court of Appeal of Florida | Filed: Jan 13, 2009 | Docket: 60299807

Published

GRAVES AMENDMENT, 49 U.S.C. § 30106, PREEMPT SECTION 324.021(9)(B)(2), FLORIDA STATUTES (2007)? This is

Dollar Rent A Car, Inc. v. Chang

902 So. 2d 869, 2005 Fla. App. LEXIS 7267, 2005 WL 1163011

District Court of Appeal of Florida | Filed: May 18, 2005 | Docket: 64838478

Published

reduced the jury verdict to $100,000 pursuant to section 324.021(9)(b)2., Florida Statutes (2003). The court

Lynn v. Feldmeth

849 So. 2d 481, 2003 Fla. App. LEXIS 10879, 2003 WL 21673036

District Court of Appeal of Florida | Filed: Jul 18, 2003 | Docket: 64823978

Published

reduce the judgment which she filed pursuant to section 324.021(9)(b)(3), Florida Statutes (1999), a provision

Mass v. Bank of America

831 So. 2d 712, 2002 Fla. App. LEXIS 15700, 2002 WL 31422823

District Court of Appeal of Florida | Filed: Oct 30, 2002 | Docket: 64819230

Published

lease was not a long-term lease protected by section 324.021. The trial court denied plaintiffs motion for

Standard Jury Instructions-Civil Cases (No. 02-1)

828 So. 2d 377, 2002 Fla. LEXIS 1890, 2002 WL 31027350

Supreme Court of Florida | Filed: Sep 12, 2002 | Docket: 64818249

Published

who has complied with ah the requirements of § 324.021(9)(b)l, Fla. Stat., is not liable for its neghgent

Harris v. Cotton States Mutual Insurance Co.

821 So. 2d 1211, 2002 Fla. App. LEXIS 10440, 2002 WL 1724026

District Court of Appeal of Florida | Filed: Jul 26, 2002 | Docket: 64816557

Published

personal injury protection coverage required by section 324.021(7) and section 627.736, Florida Statutes.1

World Investments Corp. v. Duverna

793 So. 2d 79, 2001 Fla. App. LEXIS 11132, 2001 WL 883631

District Court of Appeal of Florida | Filed: Aug 8, 2001 | Docket: 64807946

Published

pursuant to section 324.021(9)(b)(2), Florida Statutes (1999). As defined by section 324.021(9)(c)(l),

Reliance Insurance Co. v. Wiggins

763 So. 2d 450, 2000 Fla. App. LEXIS 7242, 2000 WL 763725

District Court of Appeal of Florida | Filed: Jun 14, 2000 | Docket: 64799016

Published

lease was for a 48-month term. Consistent with section 324.021(9), Florida Statutes (1995), the lease required

Dearing v. General Motors Acceptance Corp.

758 So. 2d 1236, 2000 Fla. App. LEXIS 6410, 2000 WL 678827

District Court of Appeal of Florida | Filed: May 26, 2000 | Docket: 64797592

Published

Redditt is a lease of one year or longer under section 324.021(9)(b)l., Florida Statutes (1999). The lease

William Lehman Leasing Corp. v. Joseph

757 So. 2d 614, 2000 Fla. App. LEXIS 5808, 2000 WL 628232

District Court of Appeal of Florida | Filed: May 17, 2000 | Docket: 64797182

Published

that it was not the owner of the vehicle under § 324.021(9)(b), Florida Statutes .(1999), and included

Nolan v. Gelco Corp.

734 So. 2d 1155, 1999 Fla. App. LEXIS 7284, 1999 WL 346022

District Court of Appeal of Florida | Filed: Jun 2, 1999 | Docket: 64788741

Published

requisite minimum insurance coverage required by section 324.021(9)(b), Florida Statutes (1997). Although the

Rodriguez-Cespedes v. Creative Leasing, Inc.

728 So. 2d 811, 1999 Fla. App. LEXIS 2571, 24 Fla. L. Weekly Fed. D 647

District Court of Appeal of Florida | Filed: Mar 10, 1999 | Docket: 64786927

Published

Creative claimed the exemption contained in section 324.021(9)(b), Florida Statutes (1987), which provides:

Budget Rent-A-Car v. STATE FARM AUTO INS.

727 So. 2d 287, 1999 Fla. App. LEXIS 1365, 1999 WL 68787

District Court of Appeal of Florida | Filed: Feb 12, 1999 | Docket: 1730049

Published

000 per accident for all authorized users. Cf. § 324.021(9)(b), Fla. Stat. (1997). For Florida residents

Lavado v. General Electric Capital Auto Financial Services, Inc.

711 So. 2d 1237, 1998 Fla. App. LEXIS 5276, 1998 WL 236230

District Court of Appeal of Florida | Filed: May 13, 1998 | Docket: 64781214

Published

for its operation as G.E. had complied with section 324.021(9)(b), Florida Statutes (1995); which immunizes

State Farm Mutual Automobile Insurance v. InterAmerican Car Rental, Inc.

707 So. 2d 788, 1998 Fla. App. LEXIS 586, 1998 WL 27298

District Court of Appeal of Florida | Filed: Jan 28, 1998 | Docket: 64779688

Published

the limits of liability as required by Florida Statute 324.021(7). During the trip, an accident occurred

Amba-an v. Arias-Turecious

704 So. 2d 1093, 1997 Fla. App. LEXIS 14513, 1997 WL 795345

District Court of Appeal of Florida | Filed: Dec 31, 1997 | Docket: 64778424

Published

the track was not insured in accordance with section 324.021(9)(b), Florida Statutes (1995), plaintiffs

Aero Products Corp. v. Department of Highway Safety & Motor Vehicles

675 So. 2d 661, 1996 Fla. App. LEXIS 6303, 1996 WL 324665

District Court of Appeal of Florida | Filed: Jun 14, 1996 | Docket: 64765446

Published

example, to the broader definition found in section 324.021 (relating to financial responsibility) or section

Canal Insurance Co. v. Reed

680 So. 2d 486, 1996 Fla. App. LEXIS 3308, 1996 WL 134307

District Court of Appeal of Florida | Filed: Mar 27, 1996 | Docket: 64767852

Published

licensing of persons to operate motor vehicles.” § 324.021(6), Fla.Stat. (1985) (emphasis added). Similarly

Alcinor ex rel. Alcinor v. Avon Equipment Leasing, Inc.

663 So. 2d 6, 1995 Fla. App. LEXIS 11694, 1995 WL 654484

District Court of Appeal of Florida | Filed: Nov 8, 1995 | Docket: 64760238

Published

Acceptance Corp., 572 So.2d 1363 (Fla.1990); § 324.021(1), (9)(b), Fla.Stat. (1993).

Ady v. American Honda Finance Corp.

652 So. 2d 415, 1995 Fla. App. LEXIS 2374, 1995 WL 96807

District Court of Appeal of Florida | Filed: Mar 10, 1995 | Docket: 64755138

Published

dangerous instrumentality doctrine because of section 324.021(9)(b), Florida Statutes (1991). After the action

RJT Enterprises, Inc. v. Allstate Insurance Co.

650 So. 2d 56, 1994 Fla. App. LEXIS 11108, 1994 WL 637497

District Court of Appeal of Florida | Filed: Nov 16, 1994 | Docket: 64754156

Published

*60324.021(7) and 627.736, Florida Statutes. See § 324.021(7), Fla.Stat. (1985) (establishes the required

Heestand v. General Motors Acceptance Corp.

614 So. 2d 1228, 1993 Fla. App. LEXIS 3920, 1993 WL 90557

District Court of Appeal of Florida | Filed: Mar 30, 1993 | Docket: 64694774

Published

PER CURIAM. Affirmed. Section 324.021(9)(b), Florida Statutes (1991); see Perry v. GMAC Leasing Corp

Pacheco v. Ford Motor Credit Co.

594 So. 2d 341, 1992 Fla. App. LEXIS 2310, 1992 WL 38529

District Court of Appeal of Florida | Filed: Mar 3, 1992 | Docket: 64665494

Published

accordance with the Florida Supreme Court that section 324.021(9)(b), Florida Statutes (1989), is constitutional

Canull v. Hodges

584 So. 2d 1095, 1991 Fla. App. LEXIS 8164, 1991 WL 156602

District Court of Appeal of Florida | Filed: Aug 15, 1991 | Docket: 64661117

Published

Service also contends that this action is barred by § 324.021(9)(b), Fla. Stat. (Supp.1986), which exempts long

Trevisol v. Ford Motor Credit Co.

583 So. 2d 703, 1991 Fla. App. LEXIS 5982, 1991 WL 110845

District Court of Appeal of Florida | Filed: Jun 26, 1991 | Docket: 64660635

Published

entered summary judgment for Ford, finding that section 324.021(9)(a), Florida Statutes (Supp.1986), absolves

McCloud v. Wright

579 So. 2d 298, 1991 Fla. App. LEXIS 4072, 1991 WL 71550

District Court of Appeal of Florida | Filed: May 8, 1991 | Docket: 64658621

Published

court entered summary judgment based upon section 324.021(9)(b), Florida Statutes (1989). We reverse

Chorzelewski v. Manucor Leasing

575 So. 2d 327, 1991 Fla. App. LEXIS 1666, 1991 WL 27644

District Court of Appeal of Florida | Filed: Mar 6, 1991 | Docket: 64656632

Published

the alternative, that it was immune under section 324.021(9)(b), Florida Statutes (Supp.1986), from the

Norquoy v. Metcalf

575 So. 2d 322, 1991 WL 4309

District Court of Appeal of Florida | Filed: Mar 6, 1991 | Docket: 64656625

Published

not be held liable vicariously pursuant to section 324.021(9), Florida Statutes, the statute in effect

Powis v. Ford Motor Credit Co.

575 So. 2d 735, 1991 Fla. App. LEXIS 1454, 1991 WL 22509

District Court of Appeal of Florida | Filed: Feb 27, 1991 | Docket: 64656864

Published

summary judgment. The lower court found that section 324.021(9) Florida Statutes (1983), excepted a long-term

Guardian Insurance Co. of Canada v. Liberty Mutual Insurance

742 F. Supp. 626, 1990 U.S. Dist. LEXIS 11164, 1990 WL 122419

District Court, M.D. Florida | Filed: Aug 14, 1990 | Docket: 65972872

Published

concedes that, pursuant to Florida Statute Section 324.021(7), it insured Alamo and Mr. French for the

General Accident Insurance Co. of America v. Southern Insurance Co.

563 So. 2d 186, 1990 Fla. App. LEXIS 4459, 1990 WL 83618

District Court of Appeal of Florida | Filed: Jun 21, 1990 | Docket: 64651192

Published

primary coverage to $10,-000, pursuant to section 324.021(7)(a), Florida Statutes (Supp.1986). The ruling

Prinzo ex rel. Puleo v. State Farm Mutual Automobile Insurance Co.

465 So. 2d 1364, 10 Fla. L. Weekly 816, 1985 Fla. App. LEXIS 13134

District Court of Appeal of Florida | Filed: Mar 27, 1985 | Docket: 64610862

Published

01(1)) and the Financial Responsibility Law (section 324.021(1)) should be read in pari materia, which compels

American Fire & Casualty Co. v. Bigger

442 So. 2d 1109, 1983 Fla. App. LEXIS 25393

District Court of Appeal of Florida | Filed: Dec 28, 1983 | Docket: 64601848

Published

person and $20,000 per accident. In 1975, Section 324.021(7), Florida Statutes (1975), mandated that

American Fire & Casualty Co. v. Bigger

442 So. 2d 1109, 1983 Fla. App. LEXIS 25393

District Court of Appeal of Florida | Filed: Dec 28, 1983 | Docket: 64601848

Published

person and $20,000 per accident. In 1975, Section 324.021(7), Florida Statutes (1975), mandated that

Preferred Risk Mutual Insurance v. Jackson

414 So. 2d 532, 1982 Fla. App. LEXIS 19753

District Court of Appeal of Florida | Filed: Apr 8, 1982 | Docket: 64590247

Published

So.2d 52 (Fla. 1st DCA 1978). Furthermore, Section 324.021(1), Florida Statutes (1977) expressly excludes

State Farm Mutual Automobile Insurance Co. v. Day Car, Inc.

395 So. 2d 179, 1980 Fla. App. LEXIS 18342

District Court of Appeal of Florida | Filed: Jun 17, 1980 | Docket: 64580991

Published

the Legislature. Ch. 76-168, Laws of Fla. . § 324.021(7), Fla.Stat. (1973) Proof of Financial Responsibility

Kenilworth Insurance v. Pizarro

369 So. 2d 995, 1979 Fla. App. LEXIS 14828

District Court of Appeal of Florida | Filed: Apr 17, 1979 | Docket: 64569707

Published

wherein the attorney expressed the opinion that Section 324.021(7), Florida Statutes (1973) was applicable

A. United Auto Rental, Inc. v. Bradley

352 So. 2d 579, 1977 Fla. App. LEXIS 17106

District Court of Appeal of Florida | Filed: Dec 6, 1977 | Docket: 64561548

Published

Reversed and remanded with directions. . See Section 324.021(7), Florida Statutes (1975), specifying a $15

Liberty Mutual Insurance v. Clay

299 So. 2d 95, 1974 Fla. App. LEXIS 8783

District Court of Appeal of Florida | Filed: Aug 23, 1974 | Docket: 64540702

Published

of public liability coverage as required by Section 324.021(7), Florida’s Financial Responsibility Law

McKinney v. O'Malley

379 F. Supp. 135, 1974 U.S. Dist. LEXIS 7272

District Court, M.D. Florida | Filed: Aug 6, 1974 | Docket: 66097811

Published

contains limits of not less than those specified in § 324.021(7). . Section 324.031, Florida Statutes, provides:

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

that fulfills certain statutory requirements, § 324.021 F.S.A. The policy furnished as proof then is certified

Sanders v. National Casualty Co.

157 So. 2d 436

District Court of Appeal of Florida | Filed: Nov 19, 1963 | Docket: 60216456

Published

thereto, in not less than limits described in § 324.021(7), under provisions filed with and approved by

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.