How does the state of Florida know if you have auto insurance or not?

Florida's Department of Highway Safety and Motor Vehicles (DHSMV) has access to a database that contains information about all registered vehicles in the state. This database includes the owner's name, address, and insurance information. The DHSMV also receives reports from insurance companies about when a policy is cancelled or not renewed.

When you register your vehicle, you are required to provide proof of insurance. This can be in the form of an insurance card or a letter from your insurance company. If you do not provide proof of insurance, your registration will be denied.

The DHSMV randomly selects vehicles for verification of insurance. If you are selected for verification, you will receive a letter in the mail. This letter will ask you to provide proof of insurance within 30 days. If you do not respond to the letter, your registration will be suspended.

The DHSMV also works with law enforcement agencies to identify uninsured drivers. If you are caught driving without insurance, you will be ticketed and may have your license suspended.

In addition to the penalties for driving without insurance, there are also financial consequences. If you are involved in an accident while uninsured, you will be personally responsible for any damages. This could include damage to your vehicle, as well as medical bills for any injuries you or other people sustain.