hey I check into it in louisiana, they asked if it has a VIN number like a car. You may want to see if that applies in FLA. As for insurance, I have mine fully insured and they did not inquire about whether is was street legal or used on the street. They just snap a few photos. Better to be insured these days, especially if you let others drive it, or if you drive others...
Just my 2 cents.