Each state has its own auto insurance laws and stipulations, and that also includes Florida.
It’s mandatory for Florida residents to get an auto insurance with certain coverage and limits before hitting the road.
Whether you live in Miami or Jacksonville, stay current with the Florida car insurance requirements and coverage additions for your own protection.
How does auto insurance work in Florida?
When you register your vehicle you’ll need to provide a proof of Florida auto insurance coverage. The minimum requirements are stated as follow:
Personal Injury Protection (PIP): $10,000
Property Damage Liability: $10,000
Under certain circumstances, you may be required to purchase additional insurance coverages depending on your driving record and other offences.
For example, if you are convicted of a DUI, your auto insurance will require you to purchase a Bodily Injury Liability insurance.
Is Florida is a Non-fault State?
Yes, Florida is a Non-Fault state, which requires insurers to cover their insured drivers regardless of fault.
For example, when a car accident occurs, affected drivers can reach out to their auto insurance companies to cover the costs of medical care and other losses.
How much is car insurance in Florida?
Now, the auto insurance you get depends on your profile as a customer.
Let’s say you bought a new sport vehicle and you start looking for auto insurance.
You may end up paying a high premium because auto insurance companies regard modern and sport vehicles as high risk compared to other old vehicles.
At the same time, driving a sport vehicle tells your insurer that you may be involved in speeding, which increases your chances on getting involved in car accidents.
That doesn’t mean that you cannot contact other auto insurance providers. Auto insurance providers offer different policy rates so comparing quotes is what you need to do for lower premiums.
To learn more about auto insurance premiums, click here.
What is Personal Injury Protection?
Personal Injury Protection (PIP) is an extension of auto insurance that covers medical expenses and, in some cases, lost wages.
It is also known as “non-fault” coverage because it covers insured drivers regardless of who’s at fault.
This protection includes other incidentals such as loss services and funeral expenses.
What is Bodily Injury Liability?
Bodily Injury Liability (BIL) is the part of your policy that helps pay for another person’s injuries as a result of a car accident for which you are at fault.
BIL is not required to legally drive in Florida. However, there are some exceptions based on screening.
If you are a driver with previous car accidents and bad driving records, auto insurance companies may require you to carry this type of insurance coverage.
What is Property Damage Liability?
Property Damage Liability is a coverage that drivers must have on their policies by law.
It covers the cost of damages caused to other people involved in a car accident, which includes vehicle, home, and/or any other personal property.
Like Bodily Injury Liability, this type of coverage helps drivers to take some financial responsibility for car accidents for which they are at fault.
Are you looking for auto insurance?
Buying auto insurance does not mean you have to pay a lot of money for your own protection. Click here to help you get the auto insurance policy that best suits your budget and needs.