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Florida is a No Fault state for auto insurance. Knowing and understanding Florida No Fault Insurance law will allow you to choose the right coverage for you and will also help you if you need to make a claim in the future. Take a minute to read the following information before getting free no fault insurance quotes.
What Is No Fault Insurance?Under no fault insurance each driver would be completely covered by his own car insurance (up to his policy limit), and drivers can not sue another driver regardless of the severity of the accident. However, no state uses such strict form of no fault insurance. There is a general misconception about no fault auto insurance and what it actually covers. Florida No Fault Insurance really is in regards only to medical payments. Meaning that if you are involved in an accident, your insurance company will pay for your bodily injury claims regardless of who was at fault. Under Florida No Fault Insurance law both drivers must carry insurance for their own protection, and their ability to sue other drivers for damages is regulated by certain limitations.
Florida No Fault Insurance RequirementsSince the Florida Legislature passed a bill to reform Florida’s Motor Vehicle No-Fault Law, citizens should know that Florida law will once again require drivers to carry Personal Injury Protection (PIP) insurance effective January 1, 2008. The law requires you to carry a minimum of:
- $10,000 of personal injury protection (PIP)
- $10,000 of property damage liability (PDL).
How much insurance should I buy?This is a question a lot of people ask. Any insurance professional in Florida will tell you that the minimum limits, required by the Florida No Fault insurance law, do not provide adequate protection. Just imagine for a second that you are involved in anything more than a minor accident. Considering the sky rocketing medical costs, $10,000 will hard be enough to cover all the bills. It is a good idea to purchase as much PIP insurance as you can comfortably afford. If in doubt, consult a specialist or your local agent, and get a professional advice. Remember that your auto insurance policy should give you a peace of mind, cover you if you get injured and safeguard your financial assets.
What about additional coverage?If you have caused a car accident, which resulted in property damage and injuries, then the Florida Financial Responsibility Law will require you to purchase full liability insurance. The minimum limits for such coverage, also referred to as Bodily Injury Liability (BIL), are:
- $10,000 per person
- $20,000 per crash
Auto Insurance Rates In FloridaYour place of residency is an important factor, which is taken into account by insurance companies in Florida when car insurance rates are calculated. Overall, motorists in the Sunshine State pay higher premiums than most people in America. The national average is just under $1,5000 and the average insurance policy in Florida costs a little over $1,700. Still, if you live in Jacksonville or Tallahassee you may pay less then the national average, but there isn't much good news for residence of Miami and Tampa, where average rates are over $2,300. Of course, there are plenty of other factors determining how much you will pay for Florida No Fault Insurance. Your age, driving record and experience, make and model of your vehicle, credit score and even occupation are all part of the equation. It is not a secret that generally women pay less than man, while young drivers are considered high risk drivers and are expected to pay higher premiums.
Florida SR22 InsuranceHigh risk drivers in Florida are sometimes required by law to show a proof of financial responsibility. If you have been told that you need SR22 Insurance, it simply means that your insurance company has to submit a SR22 Form to the Department of Motor Vehicles (DMV). This process is called SR22 filing, hence an auto insurance policy requiring such filing is referred to as Florida SR22 Insurance. There are a number of reasons why you may have to carry SR22 Insurance in Florida, but in the majority of cases a DUI conviction is to blame. If you do not own a vehicle, but have to drive and need to show a proof of financial responsibility, you need to get non-owner SR22 insurance. How will SR22 insurance affect your rates? More often than not, it will increase them. Why? Because insurance companies will see you as a high risk driver and often the reason for having to file a SR22 Form will have a negative effect on your driving record.
Cheap Florida No Fault InsuranceIs it even possible to find cheap auto No Fault Insurance in Florida? Of course, it is! Apart from keeping a clean driving record and having a good credit score, there are a number of other things you can do, which will help you find lower rates:
- Make sure your vehicle has anti theft device and safety features like air-bags and ABS.
- Reduce your annual mileage
- Increase your deductible
- Take an insurance discount course
- Combine insurance policies