So why does Florida have one definition for licensing and another for Insurance?   
http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0320/Sections/0320.01.html       
The 2017 Florida Statutes   
Title XXIII 
MOTOR VEHICLES   
Chapter 320 
MOTOR VEHICLE LICENSES   
View Entire Chapter 
320.01 Definitions, general.—As used in the Florida Statutes, except as otherwise provided, the term: 
(1) “Motor vehicle” means: 
(a) An automobile, motorcycle, truck, trailer, semitrailer, truck tractor and semitrailer combination, or any other vehicle operated on the roads of this state, used to transport persons or property, and propelled by power other than muscular power, but the term does not include traction engines, road rollers, personal delivery devices as defined in s. 316.003, special mobile equipment as defined in s. 316.003, vehicles that run only upon a track, bicycles, swamp buggies, or mopeds.