Under Section 316.646, which requires the owner but not the non-owner operator to have immediate possession of proof of insurance, you may have had a defense to the insurance charge which you waived when you paid the fine. The Florida DHSMV probably sent you the notice because you admittd by paying the fine that you were obligated to have proof of insurance. You need to comply with the instructions in the notice you received if you wish to challenge this suspension by explaining the situation to the DHSMV, which you should do since you have no way of reinstating your license otherwise. You should sit down with an attorney to discuss this further,
My response to your question does not create an attorney-client relationship, nor does it create any obligation for me to represent you or for you to hire me to represent you. For additional help with your problem, you should consider promptly consulting with an attorney with whom you will have a confidential attorney-client relationship.
Unfortunately, the vehicle either has insurance or does not have insurance. It is the operator's responsibility to insure that the vehicle can be lawfully operated on the road.
You need to speak with a local attorney about this.
The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.