Florida Statute 324.151 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXIII
MOTOR VEHICLES

Chapter 324
FINANCIAL RESPONSIBILITY

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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 CourtListener

Amendments to 324.151

Annotations, Discussions, Cases:

Cases Citing Statute 324.151

Total Results: 30

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

automobile with his permission, contrary to F.S. section 324.151(1) (a), F.S.A. The same is true as to uninsured

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

use in this insurance statute. Furthermore, Section 324.151(1)(a), Florida Statutes (1971), which is also

Roth v. Old Republic Insurance Company

269 So. 2d 3

Supreme Court of Florida | Filed: May 3, 1972 | Docket: 1385738

Cited 32 times | Published

Responsibility Law, F.S., Chapter 324, F.S.A. Section 324.151(1) (a), F.S., F.S.A., provides: "An owner's

Ins. Co. of North America v. Avis Rent-A-Car

348 So. 2d 1149, 1977 Fla. LEXIS 3919

Supreme Court of Florida | Filed: May 12, 1977 | Docket: 1761011

Cited 30 times | Published

242 So.2d 491, 492-93 (Fla.3d DCA 1970). [8] § 324.151(1)(a), Fla. Stat. (1975) provides: "An owner's

Wilder v. Wright

278 So. 2d 1

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

Cited 27 times | Published

such privileges." (Emphasis supplied.) F.S. Section 324.151, F.S.A., makes it quite plain that a motor

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

Act to include the same coverage as required by § 324.151(1) of our statute, and, as in our statute, was

Allstate Ins. Co. v. EXECUTIVE CAR AND TRUCK

494 So. 2d 487

Supreme Court of Florida | Filed: Jul 10, 1986 | Docket: 2159455

Cited 15 times | Published

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

Lynch-Davidson Motors v. Griffin

182 So. 2d 7

Supreme Court of Florida | Filed: Jan 5, 1966 | Docket: 1486899

Cited 14 times | Published

financial responsibility requirements specified in Section 324.151 of the Act must be read into and become a part

Chandler v. Geico Indemnity Co.

78 So. 3d 1293, 2011 WL 5864808

Supreme Court of Florida | Filed: Nov 23, 2011 | Docket: 60304975

Cited 13 times | Published

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

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

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

Makris v. State Farm Mutual Automobile Insurance Company

267 So. 2d 105, 1972 Fla. App. LEXIS 6113

District Court of Appeal of Florida | Filed: Aug 22, 1972 | Docket: 1740629

Cited 8 times | Published

under an SR-22 form filed pursuant to Fla. Stat. § 324.151(1), F.S.A., may have exclusions to coverage. The

Fischer v. State Farm Mut. Auto. Ins.

495 So. 2d 909, 11 Fla. L. Weekly 2165, 1986 Fla. App. LEXIS 10051

District Court of Appeal of Florida | Filed: Oct 14, 1986 | Docket: 1750854

Cited 6 times | Published

minimal territorial restrictions found in Section 324.151 of the Financial Responsibility Law. As Mullis

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

omnibus clause pursuant to the requirement of § 324.151, Fla. Stat., F.S.A., should receive the liberal

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

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

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

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

Andriakos v. Cavanaugh

350 So. 2d 561

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

Cited 3 times | Published

733(3)(a), Florida *564 Statutes.[1] In addition Section 324.151 of the Financial Responsibility Law provides

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

must conform to the coverages required by Section 324.151, Florida Statutes, F.S.A. On July 23, 1965

Hayes v. Thomas

161 So. 2d 545

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

Cited 3 times | Published

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

Quinlan Rental & Leasing, Inc. v. Linnel

484 So. 2d 630, 11 Fla. L. Weekly 567

District Court of Appeal of Florida | Filed: Mar 5, 1986 | Docket: 1344315

Cited 2 times | Published

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

Ennis v. Charter

290 So. 2d 96

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

Cited 2 times | Published

in the maintenance and use of his vehicle. Section 324.151(2) of the financial responsibility law states:

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

vehicle” as defined in section 324.021. Because section 324.151(l)(b) requires that an insurance policy issued

Simpson v. State

970 So. 2d 463, 2007 WL 4322273

District Court of Appeal of Florida | Filed: Dec 12, 2007 | Docket: 1694790

Cited 1 times | Published

if she or another person was operating it, see § 324.151(1)(a), Fla. Stat. (2005), unless that other person

Mitchell v. State Farm Mutual Automobile Insurance

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

District Court of Appeal of Florida | Filed: Jul 26, 1996 | Docket: 64766710

Published

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

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

Florida Statutes. Fowler, 480 So.2d at 1290. Section 324.151(l)(a) mandates that an owner’s liability policy

Pierson v. National Insurance Ass'n

557 So. 2d 227, 1990 Fla. App. LEXIS 1194, 1990 WL 17489

District Court of Appeal of Florida | Filed: Feb 27, 1990 | Docket: 64648473

Published

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

American States Insurance Co. v. Transamerica Insurance Co.

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

District Court of Appeal of Florida | Filed: Sep 24, 1987 | Docket: 64630810

Published

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

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

210 So.2d 715 (Fla.1968) which held that Section 324.151(2), Florida Statutes (1973) does not provide

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

liability x>olicy as defined in § 324.021(8) and § 324.151, or (2) Posting with the state treasurer of a

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

being so, it would follow that the provisions of § 324.151(1) became incorporated in the defendant’s policy

State Farm Mutual Automobile Insurance v. Hench

171 So. 2d 11

District Court of Appeal of Florida | Filed: Jan 26, 1965 | Docket: 64491809

Published

Financial Responsibility Law of this state (Section 324.151, Florida Statutes, F.S.A.) provides in part:

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.