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Florida Statute 324.011 - Full Text and Legal Analysis
Florida Statute 324.011 | Lawyer Caselaw & Research
Link to State of Florida Official Statute
F.S. 324.011 Case Law from Google Scholar Google Search for Amendments to 324.011

The 2025 Florida Statutes

Title XXIII
MOTOR VEHICLES
Chapter 324
FINANCIAL RESPONSIBILITY
View Entire Chapter
324.011 Purpose of chapter.It is the intent of this chapter to recognize the existing privilege to own or operate a motor vehicle on the public streets and highways of this state when such vehicles are used with due consideration for others and their property, and to promote safety and provide financial security requirements for such owners or operators whose responsibility it is to recompense others for injury to person or property caused by the operation of a motor vehicle. Therefore, it is required herein that the operator of a motor vehicle involved in a crash or convicted of certain traffic offenses meeting the operative provisions of s. 324.051(2) shall respond for such damages and show proof of financial ability to respond for damages in future accidents as a requisite to his or her future exercise of such privileges.
History.s. 1, ch. 29963, 1955; s. 5, ch. 77-468; s. 134, ch. 79-400; s. 433, ch. 95-148; s. 300, ch. 99-248.
Note.Former s. 324.001.

F.S. 324.011 on Google Scholar

F.S. 324.011 on CourtListener

Amendments to 324.011


Annotations, Discussions, Cases:

Cases Citing Statute 324.011

Total Results: 29  |  Sort by: Relevance  |  Newest First

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Young v. Progressive Se. Ins. Co., 753 So. 2d 80 (Fla. 2000).

Cited 63 times | Published | Supreme Court of Florida | 25 Fla. L. Weekly Supp. 120, 2000 Fla. LEXIS 86, 2000 WL 144188

...applicable to all motorists provide that after having an accident or committing certain traffic offenses, persons must provide "proof of financial ability to respond for damages in future accidents" before they will be permitted to drive in Florida. § 324.011, Fla....
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Garcia v. Vanguard Car Rental USA, Inc., 540 F.3d 1242 (11th Cir. 2008).

Cited 56 times | Published | Court of Appeals for the Eleventh Circuit | 2008 U.S. App. LEXIS 17681, 21 Fla. L. Weekly Fed. C 1001

...bond or self-insurance.2 First, statutory context and the noscitur a sociis canon 2 Such duties may arise as a condition of licensing or registration, or, as in Florida, after a motorist has been involved in an accident. See Fla. Stat. § 324.011; see also Lynch-Davidson 8 suggest as much....
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State v. Lee, 356 So. 2d 276 (Fla. 1978).

Cited 43 times | Published | Supreme Court of Florida

...16. The fund provision appeared as section 27 of the bill as enacted by the Senate. [11] S.Jour. 444, 1977 Reg.Sess.Fla.Leg., amend. 42. [12] S.Jour. 871 and H.R.Jour. 1243, 1977 Reg. Sess.Fla.Leg. [13] Of course, the legislation had that effect. See § 324.011, Fla. Stat. (1977), as amended by Ch. 77-468, § 5, Laws of Fla. [14] The Act expressly states the Legislature's intent to protect persons and property from motor vehicle mishaps. See § 5, amending § 324.011, Fla....
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Am. Fire & Cas. Co. v. Collura, 163 So. 2d 784 (Fla. 2d DCA 1964).

Cited 43 times | Published | Florida 2nd District Court of Appeal | 1964 Fla. App. LEXIS 4227

...l first respond for damages caused thereby and then, as a requisite to the future exercise of the privilege of owning and/or operating motor vehicles on the public highways, show proof of financial ability to respond for damages in future accidents. § 324.011, Florida Statutes, F.S.A....
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Ramos v. Nw. Mut. Ins. Co., 336 So. 2d 71 (Fla. 1976).

Cited 36 times | Published | Supreme Court of Florida

...Vliet, supra, and American Fire and Casualty Co. v. Collura, supra. Accordingly, the decision of the District Court is affirmed and the writ is discharged. It is so ordered. OVERTON, C.J., and ENGLAND and SUNDBERG, JJ., concur. ADKINS, J., dissents. NOTES [1] Section 324.011, Florida Statutes, announcing the purpose of the Financial Responsibility Act provides: "It is the intent of this chapter to recognize the existing rights of all to own motor vehicles and to operate them on the public streets and high...
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Wilder v. Wright, 278 So. 2d 1 (Fla. 1973).

Cited 27 times | Published | Supreme Court of Florida

...324, F.S.A., inures to the direct benefit of a member of the public injured by the negligent operation of the motor vehicle covered by the policy. For all practical purposes such an injured person is the actual named or indicated beneficiary of a motor vehicle liability policy. F.S. Section 324.011, F.S.A., indicates the primary purpose of the Financial Responsibility Law is to "provide financial security by such owners and operators [of motor vehicles] whose responsibility it is to recompense others for injury to person or prop...
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Garcia Ex Rel. Est. of Garcia v. Vanguard Car Rental USA, Inc., 510 F. Supp. 2d 821 (M.D. Fla. 2007).

Cited 22 times | Published | District Court, M.D. Florida | 2007 U.S. Dist. LEXIS 15335, 2007 WL 686625

...an additional $500,000 in economic damages. Fla. Stat. § 324.021(9)(b)(2). This statutory provision is contained within Chapter 324 of the Florida Statutes, entitled "Financial Responsibility." The purpose of Chapter 324 is set forth in Fla. Stat. § 324.011: It is the intent of this chapter to recognize the existing privilege to own or operate a motor vehicle on the public streets and highways of this state when such vehicles are used with due consideration for others and their property, and...
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Vargas v. Enter. Leasing Co., 993 So. 2d 614 (Fla. 4th DCA 2008).

Cited 19 times | Published | Florida 4th District Court of Appeal | 2008 WL 4756388

...mer of preemption. The failure of all these decisions, on which the majority so heavily relies, to consider the correct preemption and McCarran-Ferguson principles renders these appellate decisions quite unreliable as precedent on this subject. [27] § 324.011, Fla....
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Gov't Employees Ins. Co. v. Douglas, 654 So. 2d 118 (Fla. 1995).

Cited 18 times | Published | Supreme Court of Florida | 20 Fla. L. Weekly Supp. 113, 1995 Fla. LEXIS 378, 1995 WL 94425

...ng policy of financial responsibility for owners of motor vehicles. The statutes and case law of this State reflect an intent that owners of motor vehicles be financially responsible for accidents that result from the operation of their vehicles. In section 324.011, Florida Statutes (1993), the legislature set out the following statement of public policy: It is the intent of this chapter to recognize the existing privilege to own or operate a *124 motor vehicle on the public streets and highways...
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Enter. Leasing Co. South Cent., Inc. v. Hughes, 833 So. 2d 832 (Fla. 1st DCA 2002).

Cited 15 times | Published | Florida 1st District Court of Appeal | 2002 Fla. App. LEXIS 18205, 2002 WL 31769176

...The statute does not contain any arbitrary or oppressive classifications. Furthermore, the present version of section 324.021 serves a legitimate purpose. The statute was intended to recompense others for injury to person or property caused by the operation of a motor vehicle. See § 324.011, Fla....
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Larson v. Warren, 132 So. 2d 177 (Fla. 1961).

Cited 14 times | Published | Supreme Court of Florida

...ed to as the Driver's Financial Responsibility Act. Its provisions pertinent to this case are lengthy and will not be quoted at length, but will be discussed sufficiently to clarify the question presented. The purpose of the act is well expressed in § 324.011, Florida Statutes, F.S.A.: "It is the intent of this chapter to recognize the existing rights of all to own motor vehicles and to operate them on the public streets and highways of this state when such rights are used with due consideratio...
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Williams v. Newton, 236 So. 2d 98 (Fla. 1970).

Cited 9 times | Published | Supreme Court of Florida

...lpability and treats all owners and operators of vehicles involved in an accident alike, regardless of fault. The trial court in declaring Florida Statutes § 324.051, F.S.A. unconstitutional, held: "* * * [W]ithout precise regard to the language in Section 324.011, the provisions of Section 324.051 are unconstitutional in that the classification of persons subject to the Act bears no reasonable relation to the broad subject matter of the legislation....
...e failure to provide a pre-suspension hearing to determine fault denies due process of law. The lower court found that the provisions of Florida Statute § 324.051(2) (a), F.S.A. are inconsistent with the intent of the Act set out in Florida Statute § 324.011, F.S.A....
...cive to good or evil for the people of Florida, or capable of protecting or defeating the public interest of the state. These questions were for the legislature of Florida and it has decided them." [12] 132 So.2d 177, 182 (Fla. 1961). [1] Fla. Stat. § 324.011 (1967), F.S.A....
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Soto v. State, 711 So. 2d 1275 (Fla. 4th DCA 1998).

Cited 6 times | Published | Florida 4th District Court of Appeal | 1998 WL 250752

...For example, in the chapter entitled "Uniform Traffic Control" a motor vehicle is defined as excluding bicycles and mopeds, § 316.003(21), Fla. Stat. (1995), and, in the chapter entitled "Financial Responsibility," a motor vehicle is also defined as excluding mopeds, § 324.011(1), Fla....
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Allstate Indem. Co. v. Wise, 818 So. 2d 524 (Fla. 2d DCA 2001).

Cited 5 times | Published | Florida 2nd District Court of Appeal | 2001 WL 574907

...certain traffic offenses meeting the operative provisions of s. 324.051(2) shall respond for such damages and show proof of financial ability to respond for damages in future accidents as a requisite to his or her future exercise of such privileges. § 324.011, Fla....
...some traffic infraction that demonstrates they are high-risk drivers. See ch. 324. There is no dispute that the policy involved in this case was not certified as a policy issued to a bad driver to satisfy the financial responsibility requirements of section 324.011....
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Ball v. Inland Mut. Ins. Co., 121 So. 2d 470 (Fla. 3d DCA 1960).

Cited 5 times | Published | Florida 3rd District Court of Appeal

...ter 324, Florida Statutes, F.S.A., for the policy was written pursuant to the requirement of the statute. This is true, although the terms of the omnibus clause here are not identical with the requirements of law. The first section of Chapter 324 — § 324.011, Fla....
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Vargas v. Enter. Leasing Co., 60 So. 3d 1037 (Fla. 2011).

Cited 4 times | Published | Supreme Court of Florida | 36 Fla. L. Weekly Supp. 187, 2011 Fla. LEXIS 951, 2011 WL 1496474

...Preliminarily, one needs to look no further than the title of chapter 324, Florida Statutes, to reach the conclusion that section 324.021(9)(b)2 is a financial responsibility statute. The chapter is entitled "Financial Responsibility," and the purpose of chapter 324, as set forth in section 324.011, Florida Statutes, is "to promote safety and provide financial security requirements for such owners or operators whose responsibility it is to recompense others for injury to person or property caused by the operation of a motor vehi...
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Hanover Ins. Co. v. Bramlitt, 228 So. 2d 288 (Fla. 1st DCA 1969).

Cited 3 times | Published | Florida 1st District Court of Appeal

...rein that the owner and operator of a motor vehicle involved in an accident shall respond for such damages and show proof of financial ability to respond for damages in future accidents as a requisite to his future exercise of such privileges.' Sec. 324.011, Fla....
...t 22, 1965, so as to be required to show proof of financial ability to respond for damages in future accidents as a requisite to her future exercise of the privilege of operating or owning a car to be operated upon the public highways as required by Section 324.011 Florida Statutes, F.S.A....
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Foremost Ins. Co. v. Warmuth, 649 So. 2d 939 (Fla. 4th DCA 1995).

Cited 3 times | Published | Florida 4th District Court of Appeal | 1995 WL 59306

...Thus, we now consider the propriety of the trial court's actions assessing costs against Foremost. Uninsured motorist coverage was statutorily created to provide the reciprocal or mutual equivalent of the automobile liability coverage found in the Financial Responsibility Law, section 324.011 et seq., Florida Statutes (1993)....
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Grant v. New Hampshire Ins. Co., 613 So. 2d 466 (Fla. 1993).

Cited 3 times | Published | Supreme Court of Florida | 18 Fla. L. Weekly Supp. 107, 1993 Fla. LEXIS 169, 1993 WL 32053

...As we read the provision, it would conform the policy to the requirements of Florida's Financial Responsibility Law if Grant "is required to maintain certain insurance" under that law. The purpose of Florida's Financial Responsibility Law, as stated in section 324.011, Florida Statutes (1987), is to require the operator of a motor vehicle involved in an accident or convicted of certain traffic offenses meeting the operative provisions of s.324.051(2) [to] respond for such damages and show proof of...
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Ennis v. Charter, 290 So. 2d 96 (Fla. 1st DCA 1974).

Cited 2 times | Published | Florida 1st District Court of Appeal

...n such insurance policies which tends to diminish the insurance carrier's responsibility should be held to be discriminatory, contrary to the public policy of the state, and therefore void and unenforceable. Florida's financial responsibility law in Section 324.011 thereof states the purpose of the chapter to require: "......
...f the Act — to require an owner or operator of a motor vehicle involved in an accident to `show proof of financial ability to respond for damages in future accidents as a requisite to his future exercise of such privileges' — (emphasis added) Sec. 324.011, F.S.A....
...rein that the owner and operator of a motor vehicle involved in an accident shall respond for such damages and show proof of financial ability to respond for damages in future accidents as a requisite to his future exercise of such privileges.' Sec. 324.011, Fla....
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Harrison v. Larson, 133 So. 2d 446 (Fla. Dist. Ct. App. 1961).

Cited 1 times | Published | District Court of Appeal of Florida

...The decree appealed is accordingly reversed and the cause remanded with directions that the relief prayed by plaintiff in his complaint be granted and that a decree be entered accordingly. Reversed. CARROLL, DONALD K, Chief Judge and RAWLS, J., concur. . Ch. 29963, Laws of Florida, Acts of 1955. . F.S. § 324.011, F.S.A....
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Phoenix Ins. v. McQueen ex rel. McQueen, 240 So. 2d 79 (Fla. Dist. Ct. App. 1970).

Cited 1 times | Published | District Court of Appeal of Florida | 1970 Fla. App. LEXIS 5526

concur. . F.S. § 324.091(1), F.S.A. . F.S. § 324.011, F.S.A.; F.S. § 324.051, F.S.A.; Williams v. Newton
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Allstate Ins. Co. v. Value Rent-A-Car, 463 So. 2d 320 (Fla. 5th DCA 1985).

Cited 1 times | Published | Florida 5th District Court of Appeal | 10 Fla. L. Weekly 117, 1985 Fla. App. LEXIS 11810

...cts either the statutes or common law of this state. (footnotes omitted) 348 So.2d at 1153. The court then stated: [N]either of these financial responsibility principles [the dangerous instrumentality doctrine and the financial responsibility law of section 324.011(7)] bear on the allocation of risk between owners and operators in excess of minimum statutory coverage, or on the right of indemnification which derives from the common law principle that fault attracts primary responsibility....
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Progressive Specialty Ins. Co. v. Florida Hosp. Ocala, Inc. D/B/A Adventhealth Ocala A/A/O Sandra Thomas (Fla. 6th DCA 2024).

Published | Florida 6th District Court of Appeal

...The primary purpose of the Financial Responsibility Law is “to promote safety and provide financial security requirements” for Florida drivers “whose responsibility it is to recompense others for injury to person or property caused by the operation of a motor vehicle.” § 324.011, Fla....
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Se. Title & Ins. v. Thompson, 224 So. 2d 718 (Fla. Dist. Ct. App. 1969).

Published | District Court of Appeal of Florida | 1969 Fla. App. LEXIS 5562

insured it has made its intent clear. See Fla.Stat. § 324.011 et seq., F.S.A. I find nothing in this statute
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United States Fid. & Guar. Co. v. Nat'l Indem. Co., 258 F. Supp. 444 (S.D. Fla. 1966).

Published | District Court, S.D. Florida | 1966 U.S. Dist. LEXIS 6729

...ant’s policy, thus rendering the 150 mile territorial limit on liability null and void as being in conflict with the specific statutory provisions of the Florida Financial Responsibility Law. Under the Florida Financial Responsibility Law of 1955, § 324.011 F.S.A. et seq., when an operator or owner has an accident, he is required to show proof of financial ability to respond for damages in future accidents, § 324.011 F.S.A....
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Lynch-Davidson Motors v. Griffin, 171 So. 2d 911 (Fla. Dist. Ct. App. 1965).

Published | District Court of Appeal of Florida

...Government Employees’ Ins. Co., (1957) 48 Cal.2d 31 , 307 P.2d 359 ; Traders & General Ins. Co. v. Pioneer Mut. Comp. Co., et al., (1953) 127 Colo. 516 , 258 P.2d 776 ; Farmers Ins. Exchange v. Ledesma et al., 214 F.2d 495 (10th Cir. 1954). . F.S. § 324.011, F.S.A....
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Phoenix Assurance Co. v. Bankers, 202 So. 2d 122 (Fla. Dist. Ct. App. 1967).

Published | District Court of Appeal of Florida | 1967 Fla. App. LEXIS 4261

...x and Bankers denied coverage and declaratory action was filed by Phoenix. The trial court entered a summary, final decree holding: “(1) the exclusionary endorsement on the Banker’s policy void as repugnant to the Financial Responsibility Law, F.S. 324.011, et seq.; (2) at the time of the delivery of the station wagon in November 1963 defendant Phoenix insured all motor vehicles owned by Ulysses and Emma Griffin; therefore, coverage was provided for Ulysses & Emma Griffin for the collisi...
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State Farm Mut. Auto. Ins. Co. v. Anna Bevilacqua Spangler (11th Cir. 2023).

Published | Court of Appeals for the Eleventh Circuit

Argued: Nov 18, 2022

...We disagree. Florida’s FRL requires an individual who operates a motor vehicle on Florida’s public streets and highways to “show proof of financial ability” to compensate for accidents as a “requisite” to op- erating a motor vehicle in Florida. Fla. Stat. § 324.011....

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.