Section 320.02(5)(a) Florida Statutes, requires a motor vehicle owner to provide proof that personal injury protection benefits have been purchased when required under s. 627.733, that property damage liability coverage has been purchased as required under s. 324.022 and that combined bodily liability insurance and property damage liability insurance have been purchased when required under s. 627.7415.
Proof of insurance coverage shall be provided by the applicant at the time of application for the registration of any motor vehicle owned as defined in s. 627.732 in the manner prescribed by law. The issuing license plate agent shall refuse to issue registration if such proof of insurance is not provided. Chapters 316, 320, 324, 626, and 627, related to motor vehicle registration and insurance requirements established by the "Motor Vehicle Insurance Reform Act of 1988", Chapter 88-730, provide for stricter verification of motor vehicle insurance, prior to registration. As a result of the act, insurance companies selling motor vehicle insurance in Florida must report the insurance and discontinuance of vehicle policies in Florida.
Policy information as reported to the Florida Department of Insurance by insurance companies is placed on an insurance data file which is matched against both the vehicle data file and the driver license data file maintained by the Department. Information provided by insurers will be used to indicate insurance status on the vehicle file.