Florida Statute 324.151 | Lawyer Caselaw & Research

The 2024 Florida Statutes

Title XXIII
MOTOR VEHICLES

Chapter 324
FINANCIAL RESPONSIBILITY

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F.S. 324.151

324.151 Motor vehicle liability policies; required provisions.—

(1) A motor vehicle liability policy to be proof of financial responsibility under s. 324.031(1) shall be issued to owners or operators under the following provisions:

(a) An owner’s liability insurance policy must designate by explicit description or by appropriate reference all motor vehicles with respect to which coverage is thereby granted, must insure the owner named therein, and, except for a named driver excluded under s. 627.747, must insure any other person as operator using such motor vehicle or motor vehicles with the express or implied permission of such owner against loss from the liability imposed by law for damage arising out of the ownership, maintenance, or use of such motor vehicle or motor vehicles within the United States or the Dominion of Canada, subject to limits, exclusive of interest and costs with respect to each such motor vehicle as is provided for under s. 324.021(7). Insurers may make available, with respect to property damage liability coverage, a deductible amount not to exceed $500. In the event of a property damage loss covered by a policy containing a property damage deductible provision, the insurer shall pay to the third-party claimant the amount of any property damage liability settlement or judgment, subject to policy limits, as if no deductible existed.

(b) An operator’s motor vehicle liability policy of insurance shall insure the person named therein against loss from the liability imposed upon him or her by law for damages arising out of the use by the person of any motor vehicle not owned by him or her, with the same territorial limits and subject to the same limits of liability as referred to above with respect to an owner’s policy of liability insurance.

(c) All such motor vehicle liability policies shall state the name and address of the named insured, the coverage afforded by the policy, the premium charged therefor, the policy period, the limits of liability, and shall contain an agreement or be endorsed that insurance is provided in accordance with the coverage defined in this chapter as respects bodily injury and death or property damage or both and is subject to all provisions of this chapter. Said policies shall also contain a provision that the satisfaction by an insured of a judgment for such injury or damage shall not be a condition precedent to the right or duty of the insurance carrier to make payment on account of such injury or damage, and shall also contain a provision that bankruptcy or insolvency of the insured or of the insured’s estate shall not relieve the insurance carrier of any of its obligations under said policy.

(2) The provisions of this section shall not be applicable to any automobile liability policy unless and until it is furnished as proof of financial responsibility for the future pursuant to s. 324.031, and then only from and after the date said policy is so furnished.

History.—s. 1, ch. 29963, 1955; s. 24, ch. 57-1; s. 1, ch. 65-489; s. 1, ch. 71-325; s. 9, ch. 88-370; s. 438, ch. 95-148; s. 2, ch. 2021-96.

Note.—Former s. 324.10.

F.S. 324.151 on Google Scholar

F.S. 324.151 on Casetext

Amendments to 324.151

Arrestable Offenses / Crimes under Fla. Stat. 324.151

Level: Degree
Misdemeanor/Felony: First/Second/Third

Current data shows no reason an arrest or criminal charge should have occurred directly under Florida Statute 324.151.

Annotations, Discussions, Cases:

Cases Citing Statute 324.151

Total Results: 20

Angelotta v. Security National Insurance

Court: Fla. Dist. Ct. App. | Date Filed: 2013-07-05T00:00:00-07:00

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

Snippet: as defined in section 324.021. Because section 324.151(l)(b) requires that an insurance policy issued …any motor vehicle not owned by him or her.... § 324.151(l)(b), Fla. Stat. (2007). Based on the clear and…and unambiguous language of section 324.151, Security was required to insure Snyder against loss from

Chandler v. Geico Indemnity Co.

Court: Fla. | Date Filed: 2011-11-23T00:00:00-08:00

Citation: 78 So. 3d 1293, 2011 WL 5864808

Snippet: relied on the Financial Responsibility Law, § 324.151(l)(a), Fla. Stat. (1969), governing insurance coverage

Freeburg Enterprises, Inc. v. Transportation Casualty Insurance Co.

Court: Fla. Dist. Ct. App. | Date Filed: 2008-10-08T00:00:00-07:00

Citation: 993 So. 2d 1104, 2008 Fla. App. LEXIS 15378

Snippet: , shall meet the applicable requirements of s. 324.151, subject to the usual policy exclusions such as

Simpson v. State

Court: Fla. Dist. Ct. App. | Date Filed: 2007-12-11T23:53:00-08:00

Citation: 970 So. 2d 463

Snippet: she or another person was operating it, see § 324.151(1)(a), Fla. Stat. (2005), unless that other person…operation of any vehicles not owned by him, see § 324.151(1)(b). See also § 324.031 (providing that an owner

Young v. Progressive Southeastern Ins. Co.

Court: Fla. | Date Filed: 2000-02-09T23:53:00-08:00

Citation: 753 So. 2d 80

Snippet: liability policy as defined in s. 324.021(8) or s. 324.151, which policy is issued by an insurance *89 carrier…liability policy as defined in ss. 324.021(8) and 324.151; [or] . . . . (4) Furnishing a certificate of self-insurance

Zeichner v. City of Lauderhill

Court: Fla. Dist. Ct. App. | Date Filed: 1999-02-16T23:53:00-08:00

Citation: 732 So. 2d 1109

Snippet: liability policy as defined in ss. 324.021(8) and 324.151; (2) Posting with the department a satisfactory

Allstate Ins. Co. v. RJT Enterprises, Inc.

Court: Fla. | Date Filed: 1997-01-22T23:53:00-08:00

Citation: 692 So. 2d 142

Snippet: least $10,000 per person. §§ 324.021(7), 324.022, 324.151(1)(a), Fla. Stat. (1995). Under the common law,

Mitchell v. State Farm Mutual Automobile Insurance

Court: Fla. Dist. Ct. App. | Date Filed: 1996-07-26T00:00:00-07:00

Citation: 678 So. 2d 418, 1996 Fla. App. LEXIS 7853, 1996 WL 416022

Snippet: them void as contrary to public policy.5 Section 324.151, Florida Statutes, sets out the requirements for

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

Court: Fla. Dist. Ct. App. | Date Filed: 1996-02-06T23:53:00-08:00

Citation: 670 So. 2d 997

Snippet: issued for financial responsibility purposes. § 324.151(1)(b), Fla.Stat. (1993). It is not legally required

RJT Enterprises, Inc. v. Allstate Insurance Co.

Court: Fla. Dist. Ct. App. | Date Filed: 1994-11-16T00:00:00-08:00

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

Snippet: sections 324.151(l)(a) and 324.021(7), Florida Statutes. Fowler, 480 So.2d at 1290. Section 324.151(l)(a)…owner’s insurance shall be primary. Since section 324.151(l)(a) mandates that an owner’s liability policy… . Ten thousand dollars ($10,000) per sections 324.151(l)(a) and 324.021(7), Florida Statutes (1985). …court was interpreting the 1981 version of section 324.151(l)(a), the statute has only been amended once since

Grant v. New Hampshire Ins. Co.

Court: Fla. | Date Filed: 1993-02-10T23:53:00-08:00

Citation: 613 So. 2d 466

Snippet: . Section 324.151(2), Florida Statutes (1987), provides: The provisions of [section 324.151, dealing with

Diversified Services, Inc. v. Avila

Court: Fla. | Date Filed: 1992-10-15T00:53:00-07:00

Citation: 606 So. 2d 364

Snippet: liability policy as defined in s. 324.021(8) and s. 324.151; (2) Posting with the department a satisfactory

Lipof v. Florida Power and Light Co.

Court: Fla. | Date Filed: 1992-02-19T23:53:00-08:00

Citation: 596 So. 2d 1005

Snippet: liability policy as defined in s. 324.021(8) and s. 324.151, or (2) Posting with the department a satisfactory…Section 324.031(1) refers to sections 324.021(8) and 324.151, Florida Statutes (1983), which define the requirements

Pierson v. National Insurance Ass'n

Court: Fla. Dist. Ct. App. | Date Filed: 1990-02-27T00:00:00-08:00

Citation: 557 So. 2d 227, 1990 Fla. App. LEXIS 1194

Snippet: coverage exclusion1 does not *228contravene section 324.151, Florida Statutes (1987), and is enforceable in

Auto-Owners Ins. Co. v. Brockman

Court: Fla. Dist. Ct. App. | Date Filed: 1988-05-05T00:53:00-07:00

Citation: 524 So. 2d 490

Snippet: responsibility statutes, sections 324.021(7) and 324.151(1)(a), Florida Statutes. On its face, the lease

Gabriel v. Travelers Indem. Co.

Court: Fla. Dist. Ct. App. | Date Filed: 1987-11-16T23:53:00-08:00

Citation: 515 So. 2d 1322

Snippet: liability policy as defined in s. 324.021(8) and s. 324.151, or (2) Posting with the department a satisfactory

American States Insurance Co. v. Transamerica Insurance Co.

Court: Fla. Dist. Ct. App. | Date Filed: 1987-09-24T00:00:00-07:00

Citation: 515 So. 2d 260, 12 Fla. L. Weekly 2304, 1987 Fla. App. LEXIS 10390

Snippet: a permissive user of its vehicle (and section 324.151(l)(a), Florida Statutes), the owner-lessor’s insurer

Fischer v. State Farm Mut. Auto. Ins.

Court: Fla. Dist. Ct. App. | Date Filed: 1986-10-14T00:53:00-07:00

Citation: 495 So. 2d 909

Snippet: minimal territorial restrictions found in Section 324.151 of the Financial Responsibility Law. As Mullis …NOTES [1] The Financial Responsibility Law, § 324.151(1)(a), Fla. Stat. (1981), provides that an owner

Allstate Ins. Co. v. EXECUTIVE CAR AND TRUCK

Court: Fla. | Date Filed: 1986-07-10T00:53:00-07:00

Citation: 494 So. 2d 487

Snippet: financial responsibility laws of Florida, section 324.151(1)(a) and 324.021(7), Florida Statutes (1981),

Quinlan Rental & Leasing, Inc. v. Linnel

Court: Fla. Dist. Ct. App. | Date Filed: 1986-03-04T23:53:00-08:00

Citation: 484 So. 2d 630

Snippet: insured the driver as an additional insured. Section 324.151(1)(a), Florida Statutes (1977), requires an owner