Florida Car Insurance - Understanding The State Requirements
Andrina James
April 04, 2008
Florida car insurance requirements are different from that of California, Arizona and other states in USA. So if you are thinking about living and driving in Florida and want a cheapest car insurance, it is better to have knowledge about automobile insurance requirements in the state of Florida.
First thing that you need to understand about Florida car insurance requirements is that you need to have the minimum auto insurance in order to get a license plate or register your vehicle in Florida. No insurance means no driving in Florida. Plus, you need to carry a proof of insurance while driving.
Minimum Requirements
Requirements relating to automobile insurance in Florida are categorized into two laws. The first one is called the Florida Financial Responsibility Law and the second one is called the No-Fault Law. Under the Florida Financial Responsibility Law, you and the others are protected in the following situations-
You have caused an accident which has resulted in injuries to you and the other party.
Your license is revoked because you have been found driving under the influence of liquor.
Your license has been suspended because you have got too many points.
You are found to be a habitual offender and subsequently your driving license has been revoked.
Under this law, you would need to purchase the minimum insurance requirements. You need to have $10,000 Property Damage Liability, $10,000 Bodily Injury Liability for one person, and $20,000 Bodily Injury Liability for two or more people.
The second law, that is the No-Fault Law, is designed to protect you and your vehicle. Under this law, the minimum insurance requirements require you to carry $10,000 Personal Injury Protection and $10,000 Property Damage Liability.
Penalty
In case you are wondering what happens to those who drive without insurance in Florida, let me tell you that the law deals with them very strictly. Your driver license would be suspended for three years. And if after three years, you want your license to be reinstated, you need to pay $150, $250 or $500- depending upon the number of offenses that you have in your driving record.
You can find many companies offering Florida car insurance coverage. How much premium that you would have to pay will depend on the type of driver that you are. If you are a high risk driver, you would obviously be paying more than what a low risk driver would be paying. If you look around a little bit, you would be able to find a company that will offer your reasonable coverage policy for your vehicle.
If you want to drive in Florida, you would need to meet minimum Florida car insurance requirements. For that, you must first understand the state laws relating to auto insurance and auto insurance claims very carefully.
Florida car insurance requirements are different from California car insurance requirements. If you are living in Florida, you need to understand the state´s minimum insurance and auto insurance claims requirements. This would help you get the cheapest online car insurance and the best deal.
First thing that you need to understand about Florida car insurance requirements is that you need to have the minimum auto insurance in order to get a license plate or register your vehicle in Florida. No insurance means no driving in Florida. Plus, you need to carry a proof of insurance while driving.
Minimum Requirements
Requirements relating to automobile insurance in Florida are categorized into two laws. The first one is called the Florida Financial Responsibility Law and the second one is called the No-Fault Law. Under the Florida Financial Responsibility Law, you and the others are protected in the following situations-
Under this law, you would need to purchase the minimum insurance requirements. You need to have $10,000 Property Damage Liability, $10,000 Bodily Injury Liability for one person, and $20,000 Bodily Injury Liability for two or more people.
The second law, that is the No-Fault Law, is designed to protect you and your vehicle. Under this law, the minimum insurance requirements require you to carry $10,000 Personal Injury Protection and $10,000 Property Damage Liability.
Penalty
In case you are wondering what happens to those who drive without insurance in Florida, let me tell you that the law deals with them very strictly. Your driver license would be suspended for three years. And if after three years, you want your license to be reinstated, you need to pay $150, $250 or $500- depending upon the number of offenses that you have in your driving record.
You can find many companies offering Florida car insurance coverage. How much premium that you would have to pay will depend on the type of driver that you are. If you are a high risk driver, you would obviously be paying more than what a low risk driver would be paying. If you look around a little bit, you would be able to find a company that will offer your reasonable coverage policy for your vehicle.
If you want to drive in Florida, you would need to meet minimum Florida car insurance requirements. For that, you must first understand the state laws relating to auto insurance and auto insurance claims very carefully.
Florida car insurance requirements are different from California car insurance requirements. If you are living in Florida, you need to understand the state´s minimum insurance and auto insurance claims requirements. This would help you get the cheapest online car insurance and the best deal.
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