What if I am uninsured and stopped by the police in Florida?
Answer: If you’re uninsured and stopped by the police and your license is suspended, you could get charged with driving without insurance—that’s a misdemeanor—and you could be facing up to 60 days in the county jail and/or up to a $500 fine and/or six months of probation. So you always want to make sure you have insurance and you want to have the requisite amount of insurance that the state requires. If you’re driving and you just don’t have proof of insurance—so if you’re actually validly insured, you just don’t have the proof—then you would be charged with an infraction of not having proof of insurance with you. The legislature amended that statute a couple years ago which allows you to provide the officer proof that you have insurance through your iPhone or Droid at the scene of the traffic stop. So having that accessible is now able to be done through a smartphone.