Always carry proof of insurance when  you or someone else is driving your  vehicle. Your insurance company will  provide you with a Florida Insurance  ID Card. You must have the card (or  electronic proof on a smart phone)  with you when you’re driving. You may  receive a citation if you are stopped by  a law enforcement officer and don’t  have proof of insurance with you.  You’ll have to go to court to prove that  you had insurance coverage at the  time you were stopped or your driver  license may be suspended. If you don’t  have proof and the judge convicts  you, your driver license and license  plate will be suspended. In order to lif  the suspension, you will have to get  insurance and pay a reinstatement fee  ($150 to $500).  In addition to the required PIP and PDL  coverage, if you’re in a crash, you will  have to prove that you are financially  responsible for all damages you  caused. You can prove such financial  responsibility by having insurance  in effect from a company licensed to  do business in Florida, or obtaining a  Financial Responsibility Certificate from  FLHSMV. Get more information about  Financial Responsibility Certificates at  flhsmv.gov.  Depending on your driving record,  you may have to obtain additional  insurance beyond the basic PIP and  PDL requirements. For example, Florida  law requires you to have Bodily Injury  Liability (BIL) insurance—and increased  PDL coverage—when you are convicted  of Driving Under the Influence (DUI). The  coverage required in such a case must  be at least $100,000 BIL for injuries to  one person, $300,000 BIL for injuries to  two or more people, and $50,000 PDL.  This higher coverage must be in effect  for three years from the reinstatement  date of your driving privilege. The higher  limits will no longer apply if you are not  convicted of another DUI or any felony  traffic offense during that three-year  period.  If your driver license and license plate  have been under suspension for 30 days  or more, a law enforcement officer can  seize your license plate immediately.  The officer may also take you to jail  for driving with a suspended license,  which is a first-degree misdemeanor  punishable by up to a year in jail and a  $1,000 fine.  If your driver license or license plate is  suspended for not having insurance, you  won’t be able to get a temporary license  for any reason, not even to go to work.  Also, if you show a law enforcement  officer an insurance card when you  know the insurance has been canceled—  or if you falsify the card—you may be  arrested and charged with a second- degree misdemeanor.  Other higher coverage limits are  required by law if: your driver license  is suspended for accumulation of  excessive points for infractions; you  cause a crash and people were injured;  your driver license was revoked for  Habitual Traffic Offender status; or  your driver license was revoked for any  serious offense. The required coverage  for these cases are $10,000 BIL for  injuries to one person, $20,000 BIL for  injuries to two or more people, $10,000  PDL; OR $30,000 combined single limits.  FLHSMV will always provide you with an  opportunity to prove insurance coverage  or have an administrative hearing. When  you receive the notice of suspension of  your license you may request a hearing;  otherwise, one will not be scheduled  for you.  58  ©2020 Florida Department of Highway Safety and Motor Vehicles  Financial Responsibility Law