Cracking Down on Uninsured Motorists.
The Florida Legislature is looking to introduce a new bill that establishes an online verification system that would provide your current insurance status. Today, police officers can only look up your license and registration, but not your insurance status. Similarly, after an accident, it can take 30 days or more to determine if the at-fault driver has insurance coverage.
If approved, by June 1, 2022, insurance companies would be required to upload weekly status reports of all their customers. Police would also be required to not only check your license and registration but would now immediately look up your insurance status, if you are involved in an auto accident or a traffic stop.
The goal of the program, which is already implemented in 13 other states, is to reduce the state’s uninsured motorist rates. Unfortunately, the current proposed bill does not have any police enforcement mechanisms that are included in other states’ legislation. So, the question is – what would happen if a police officer stopped a motorist who is driving without insurance? Would the driver be allowed to get back into the car and drive away? These questions and more will most likely be debated as the bill move through the legislative process between March 5th and May 3rd. The Florida legislature has tried three times in the past to pass similar legislation, only to have it fail.