Florida Car Insurance Requirements

Florida car insurance is mandatory in the state of Florida. Therefore, in order to legally drive, your coverage has to meet the state’s minimum requirements. Keep in mind Florida is a no fault insurance state. This means that whether you are insured or not, if you’re injured in an accident, then your auto insurance will cover up to your coverage limits, even if the party responsible  for the accident is not on their insurance plan. The minimum requirements for Florida car insurance are listed below.

Florida Car insurance

If you want to be able to drive in Florida with minimal insurance, then there are some things that you should do. First, you should never buy or apply for insurance in Florida is the Florida DMV says that you’ve made one auto insurance claim in the past three years. Florida does not have a no-fault policy like many other states, so if you have claims against it in the past three years, you’ll have to get it cleared before you can legally drive a car in the sunshine state. For this, you will need to get a property damage liability policy and bodily injury protection.

Collision insurance covers the repairs and replacement of your car if you get into an accident. It also covers the cost of your car repairs and medical bills. In addition, you will receive reimbursement from your insurer for the down payment and closing costs for your vehicle purchase. Collision only covers the vehicles involved in an accident. It does not cover the cars that are being towed because of the damage to the tow truck. So, collision insurance is a good thing to have if your car is relatively cheap, because you won’t have to spend money to fix your own car if it gets damaged.

Comprehensive insurance covers your car for any damages besides the ones already mentioned above. This type of policy usually pays for theft, accidents, and natural disasters. If your vehicle has customization parts, comprehensive covers them as well. The most expensive form of comprehensive insurance is the total loss payment. This covers the payment of all the expenses resulting from your vehicle getting stolen or destroyed.

No-fault state laws require that drivers at least have the minimum car insurance requirements. For drivers who don’t have the minimum requirement, they must get a signed document from another driver stating that he or she drives the vehicle on the policy and it’s under the company’s coverage. However, if no-fault state law is strictly followed, drivers don’t need to get a signed agreement between oneself and the company. Drivers are still covered for liabilities regardless of whether they’ve made claims or not.

Florida pip insurance costs vary depending on the type of policy you get. You can save money by getting several quotes and choosing a cheap policy with sufficient personal injury protection. To learn more about choosing the right Florida motorist policy, contact one of your local agents. They’ll help you understand your needs and give you a quote based on your situation.

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