According to Florida car insurance law, car owners are mandated to have a minimum level of coverage for Personal Injury Liability and Property Damage (PDL) insurance. PIP insurance covers up to 80% of medical expenses which are a direct result of a motor vehicle accident or car crash, no matter who is at fault. In Florida, as in many other states, there are deductibles that must be paid before the insurance will pay anything. These deductibles can vary by each company, so it is important to shop around to get the best rates.
Florida states that drivers can purchase personal injury protection (PIP), also known as bodily and property damage insurance, for an affordable monthly fee. This type of insurance covers damage that is sustained during a wreck, including death or permanent disfigurement of that person. PIP policies pay up to a maximum level for personal injury protection. For example, drivers may pay up to three times the regular monthly limit for personal injury protection when they pay the full amount for PIP coverage.
Another option for Florida drivers is to purchase comprehensive vehicle insurance
This type of policy provides the most comprehensive amount of coverage available to Florida drivers. Drivers may purchase both collision and comprehensive coverage on one policy. They may also choose to purchase a minimal liability coverage to protect against lawsuits that arise from accidents. Drivers may also elect to pay a per-occurrence excess fee instead of paying the full standard premiums on a policy.
Florida drivers need to purchase a bodily injury coverage per person policy if they own a car or if their car is financed in Florida. The minimum amount of bodily injury coverage per person is one hundred and twenty dollars per accident for which payment is made. However, this minimum amount is not applicable to traffic citations or other past due balances. Drivers may pay only the minimum amount for bodily injury protection.
If a Florida driver wants to add more than one type of coverage to his or her policy, they must purchase an additional insurance card. Drivers may also purchase a separate insurance card for windshield replacement, legal expenses, and loss of earnings. Drivers may obtain multiple insurance cards from one company. In order to obtain insurance cards, a driver must provide proof of residence, age, and identity. Florida drivers should always carry proof of insurance whenever they are driving, but most companies allow a minimal amount of temporary coverage while a person is waiting to receive their permanent insurance card.
Florida car insurance laws require all drivers to maintain the highest level of automobile coverage possible
Drivers may purchase more than one kind of coverage from the same insurance company. Drivers should always choose a company that offers the best rates and terms. However, drivers may also find discounts if they take a certain number of points off of their current policy. Drivers can learn more about their no-fault state insurance requirements by visiting their local DMV or call their insurance provider.
Florida car insurance companies offer many different types of coverage, and they offer several options for drivers who don’t have traditional insurance. There are also several specific types of coverage that may be available to drivers who have no insurance or do not have sufficient coverage. Some Florida auto insurance companies offer special no-fault state laws that protect their customers in the event they are involved in an accident that was the fault of someone who does have insurance. Several other no-fault states also have something called uninsured motorist coverage laws that protect their residents in the event they are in an accident with someone who does not have insurance.
Every state has its own laws and regulations regarding auto insurance coverage and you should research these thoroughly before choosing a policy. Most Florida car insurance providers offer free quotes through their websites and you can compare rates from several different companies easily this way. If you already have homeowners or renters insurance policies or already have student insurance policies, you can use your existing policies as a tool for determining which policy best suits your needs. Your auto insurance coverage is a reflection of the type of driver that you are. A teen who doesn’t have a driving history behind him may need a different type of policy than someone who has a history of accidents or wrecks.