Dirt legal in Florida

[Flydaddy23]

Anyone have experience with Dirt legal in Florida and which insurance companies will cover it?

 

[grainylark]

Anyone have experience with Dirt Legal in Florida and which insurance companies will cover it?

I’ve seen mixed comments about it, so I’d definitely want to hear from someone who has actually gone through the whole process in Florida. The registration side is one thing, but getting it insured without constant back and forth seems like the part that can get annoying.

It probably also depends on what kind of vehicle you’re trying to make street legal and how it shows up in the paperwork. Some insurance companies get weird the second something looks off-road or custom, even if the title situation is technically handled.

If anyone has a company that didn’t make it a headache, that would be useful to know. Picking the right insurer for this sounds a bit like choosing a Woopwin Casino https://woopwin-fr.fr/ with a decent setup, the experience can be totally different depending on how smoothly everything works behind the scenes.

Florida seems pretty hit or miss with these registrations, and insurance is usually the part that makes it less simple than the ads sound. Farmers and Progressive get mentioned a lot, but coverage can depend hard on how the vehicle is titled.

 

[USMC]

Flydaddy23,

With Dirt Legal you get a registered and titled vehicle for Montana (I believe). You can drive it in Florida but if you follow the law after 10 days it has to be titled in Florida if you live here. The problem with that is you cannot register it for the road in Florda. That is why one needs to find a state that offers a full tag, register it there and then bring it to Florida and re-register it here.

Below are excerpts from the Florida DMV regarding vehicle licensing. Also, Progressive and Geico would not insure my Roxor for street use. I went with USAA and had coverage in 10 minutes while in the Florida DMV parking lot.

Florida DMV Laws Below:

In the state of Florida, a vehicle must have a valid registration to operate on Florida roads, and vehicles with out-of-state registrations are required by law to be registered within 10 days of the owner either becoming employed, placing children in public school, or establishing residency.

Florida law states that all-terrain vehicles (ATV) may only be operated on unpaved roadways where the posted speed limit is less than 35 MPH and only during daylight hours. However, a county may choose to be exempt from this. Or alternatively, a county may, designate certain unpaved roadways where an ATV may be operated during the daytime as long as each such designated roadway has a posted speed limit of less than 35 miles per hour and is appropriately marked to indicate permissible ATV use.

Off-Highway and All-Terrain Vehicles are titled, but not registered, and are not required to be insured with PIP and PDL coverage. To title an ATV, submit a completed form HSMV 82040 to a Motor Vehicle Service Center. (Sections 261.20, 316.2074 and 316.2123, Florida Statutes)

 

[Flydaddy23]

Yes that’s why I’m looking for a street legal from another state or one that I can take to Michigan and get a tag for. Florida will transfer a Michigan tag and title and GEICO has confirmed that they will insure on my current policy.
After talking to dirt legal, I am definitely not going that way, and they keep calling, like they really want my money…

 

[Samyguy]

Is there a list of states that will title and give you tag for a Roxor ???

 

[USMC]

FLDaddy23,

Geico covered me for Off Road only, @ $200.00 per year. The issue that Geico had giving me Street Insurance is that their system does not recognize an "I" in the VIN Code. The second letter in the Michigan Assembled VIN Code is an "I". I asked them if they could force the "I" and they told me NO.

"I" would doble check with Geico.

 

[Flydaddy23]

Do all Michigan assembled vin codes have the “I “ in them? Sounds like I may be at a dead end…
GEICO said liability insurance only but they seemed to be a little challenged…

 

[USMC]

Do all Michigan assembled vin codes have the “I “ in them? Sounds like I may be at a dead end…
GEICO said liability insurance only but they seemed to be a little challenged…

The Michigan Assembled Vehicles all start with MI to show that it is a Michigan designated VIN.

I actually think that Geico can force the I in the VIN Code. I believe I just had a lazy employee. I worked in Insurance in Michigan and we could do quite a bit with our software.

 

[Flydaddy23]

But if I take the Michigan title to Florida DMV, Florida will issue a Florida restored vehicle license, correct?
Would that Florida title have a MI in the ID number?

 

[USMC]

Florida will give you a standard title and registration if you have the MI####### VIN Code. They will give you a standard title and registration not a Restored Vehicle Title.

My statement is Redundant

 

[adaloon83]

Florida will give you a standard title and registration if you have the MI####### VIN Code. They will give you a standard title and registration not a Restored Vehicle Title.

My statement is Redundant

That distinction matters for insurance too, since a standard Florida title should be a lot easier for their systems to swallow.

 

[Den_the_Rube]

Do all Michigan assembled vin codes have the “I “ in them? Sounds like I may be at a dead end…
GEICO said liability insurance only but they seemed to be a little challenged…

Yes. I had to jump through hoops with USAA because their system didn’t recognize the “I” in MI either. Eventually I pushed until I found someone that both understood and could override it by entering the vin manually. I also could only get liability insurance.

 

[USMC]

Den_The_Rube, the insurance issue must be a state issue because I believe I have the full coverage that I want. Now you have me questioning that. I will look at my policy again.

When I called USAA right off the start, they said that they could insure me with no issues. It took 10 minutes in the DMV parking lot.

I checked and I have Comprehensive, Collision, Bodily Injury Liability, Property Damage, Uninsured Motorists, and PIP. It is like $200.00 per month. When I sell my business the Roxor will be my mode of transportation other than my wife's vehicle.

 

[USMC]

To All: I was going to multiple web sites (7 or 8 so far) that state that they have the list of states where you can and cannot register a side by side for the street. From what I see most sites are using the same information which is not really correct.

I know definitely that they have the Florida and Michigan laws incomplete or actually wrong.

My suggestion is to check your state DMV laws and then check your county laws yourself. If you have relatives in another state, check their state and county laws also. You may be able to use that route and then transfer the Roxor to your state.