Florida No Fault Insurance Requirements

Auto Insurance Coverage

When it comes to auto insurance, many people get confused. Undoubtedly, choosing the right policy is very important. What is the point of paying for a policy which leaves you underinsured? It is equally unnecessary to add coverage which you don’t really need. Many people pay too much for auto insurance without even knowing it.

It is very important to understand the fundamentals. First of all, you need to know that your policy is in reality a package of different types of coverage. Secondly, there are types of coverage which are required by the state you live in. In most cases they are Bodily injury liability (BIL), Personal injury protection (PIP) and Property damage liability (PDL) coverage. The minimum amount of cover vary from state to state. See Florida No Fault Insurance requirements for additional information.

Bodily injury liability – you must remember that BIL provides protection in case you injure or kill someone while driving your car. Additionally, if another party decides to sue you after an accident you have caused, Bodily injury liability coverage will provide for legal defense. A serious accident may become very expensive so its wise to have enough cover to safeguard your personal assets. BIL is with regards to people’s injuries, not your vehicle. If you have more than one car, try to keep the BIL coverage the same for all of them.

Property damage liability – this part of the policy is designed to cover other people’s property damaged during an accident. PDL also gives you legal defense if another party files a lawsuit for property damages.

Personal injury protection – in some states closely linked with No-fault. It covers the medical expenses of the passengers in your car, including the driver. Depending on the policy and insurer, you may also be covered if injured as a pedestrian.

Experts always recommend to get more cover than the state’s required minimum.

Additional Auto Insurance Coverages

What other coverages may be useful to have? Well, it all depends on your circumstances, but here are the most common ones:

Uninsured motorists coverage – in the last few years more and more people are driving uninsured. It can be blamed on the economy or the lack of social responsibility, but either way you need to protect yourself and your family against such drivers. Uninsured motorists coverage is highly recommended and not that expensive in most states.

Comprehensive physical damage coverage – if you want your car to be protected against fire, flood or theft, this is the coverage you need. Of course, it is hardly worth it adding it to your policy if you car doesn’t have a lot of value. Having higher deductibles will keep the cost of this coverage low.

Collision coverage – if you are hit by another car or object or your car hits another vehicle, collision coverage will pay for the damages to your vehicle. Again, only worth it if you driver a newer car and your deductible comes into play.

These are pretty much the main coverages that you need. Decide wisely which ones you need and which cover is not for you. Always go with more than the minimum required and consult an insurance expert if in doubt.

Cheap Auto Insurance for Women in Florida

The fact that women are more responsible drivers than men has been proven by recent insurance rates data. Still, many women do not enjoy rates as low as they should be able to find them. It is very important to compare rates from different insurers in order to find the best deals.

Men may like to think they have the upper hand, but when it comes to auto insurance goes, they simply do not.. Women are actually paying less for their auto insurance than men.

But why do female drivers enjoy lower premiums?

Statistics show that women are lower risk drivers than men. Obeying the law, driving safely and complying with their car insurance requirements, is something women are far more likely to do then men.

Men tend to be more dangerous drivers. It is unlikely that a woman would intentionally start driving dangerously. Overtaking dangerously and jumping a red light, is not something most women do.

Do women drive more safely?

Compared to men, women are safer drivers. There are 2 main reasons for that, female drivers are normally more responsible and observant. Men don’t pay as much attention to road signs and other drivers as women do. It comes as no surprise that being observant means less accidents are caused by female drivers. Statistics have shown men are the cause of accidents more frequently than women by more than 50%.

Being very protective is a characteristic most women have. It is very common for women to use their cars to drive their kids to school. The most important thing for them is the safety of their kid, and this makes them more careful.

Not only are women protective of their children, they are protective of their jobs. In our day and age, it is harder for them to climb the corporate ladder. Being absent due to an accident could very well result in the loss of their hard earned job. It is clear that being a careful driver is very important to most women, especially those who have a family and a career.

Things may well change in the future as more women pursue careers and there are more stay-at-home dads. But for now, women have the right to demand cheaper auto insurance rates.

Click here to compare free car insurance quotes online now.

Moving To Florida – Driver License, Insurance And Car Registration

Thousands of people move to Florida every month. Moving to a different state can be stressful at times. To avoid any unpleasant surprises make sure you are familiar with the local laws.

Once you are a resident of the Sunshine State you will have to change your driver license, insure and register your vehicle. You are considered to be a resident when you start a new job, enrol your kids to a local school, live in Florida for more than 6 consecutive months or register to vote.

Obtaining Your Florida Driver License

Florida’s law requires you to change your driver license within 30 days of becoming a resident. Before you are issued a Florida driver license, you must present the authorities with the correct identification and documents. Many new comers experience the frustration of not bringing the right ID and paperwork and end up wasting their time.

1. Primary Identification – Used as proof of your date of birth. For U.S. Citizens it could be a birth certificate issued by a government agency (certificate issued by hospital will not be accepted),US passport or certificate of naturalization. In same cases a proof of citizenship may be required so make sure you carry the appropriate documents. In case your name has changed due to marriage or divorce, again you will need to provide the appropriate paperwork.

2. Proof of Social Security Number - Any of the following will be sufficient – Social Security card, W-2 form, Pay check, SSA-1099 or Non-SSA-1099.

3. Proof of Residential Address – You must bring at least TWO documents which state your current address in Florida. An example of such proof of address is a monthly mortgage statement or rent agreement, Florida voter registration card, Medical or health card with address listed, insurance policy or bill, professional license issued by a government agency, W-2 form or 1099 form, Mail from financial institutions or recent utility bills.

If your drivers license is suspended by another state, the suspension must end before you are issued a Florida Driver License.

Registering Your Car In Florida

The law requires you to change the registration of your car within 10 days of becoming a resident. In order to register your car, you need to visit your local Florida county tax collector’s office. Bring with you your original out of state title, proof of Florida auto insurance and VIN (Vehicle Identification Number) Verification.

The VIN must be physically inspected by a law enforcement officer, a licensed motor vehicle dealer, DMV examiner or county tax collector employee, and even by a provost Marshal or an active military officer.

There are a few exemptions and VIN Verification doesn’t apply to new vehicles, mobile homes and trailers or semi-trailers with a net weight of less than 2,000 pounds.

If your car is less than 6 months old, you may be required to pay sales tax. It all depends on how much tax you have already paid. For example if you have paid 5% in your previous state you will now have to pay an additional 1% in Florida, as the sales tax in Florida is 6%.

Florida No Fault Insurance

As already mention, in order to register your vehicle you must have auto insurance. Your insurance must be from Florida, not another state. The minimum requirements as per Florida No Fault Law are $10,000 of personal injury protection (PIP) ad $10,000 of property damage liability (PDL). If you are coming from New Jersey, New Your or Michigan you will be glad to know that you auto insurance will most likely be cheaper in Florida. On the other hand, if you used to live in Idaho, Iowa or Vermont, you will find Florida auto insurance rates more expensive.

One sure way to save on auto insurance is to compare auto insurance quotes online. Its fast, free and secure. You can even save up to 35%!

What are you waiting for compare Florida No Fault Insurance quotes online now and see how much you could save.

Compare Florida Car Insurance Quotes

Comparing Florida car insurance quotes is the only way to find the best quote for you. It is your responsibility to shop around and make sure you are not paying more than you have to. Afterall, would you spend your hard earned cash on things you really want to rather than giving it to insurance companies?

There are 3 ways to get car insurance quotes in Florida. If you have the time you can always go to your local insurance agents or you can pick up the phone and ring the insurance companies one by one and compare quotes that way. Or you can request quotes only from the comfort of your home and at a convenient for you time.

Getting quotes online will save you not only money but time as well. You don’t have to repeat your information on the phone over and over again. Filling one simple form will allow you to receive quotes from top insurance companies and compare them instantly.

Before requesting Florida car insurance quotes make sure you know the No Fault law, the minimum requirements and what kind of cover you really need. There is no point slashing your premiums to the lowest possible figure if that means in you don’t have enough cover.

What are you waiting for, get your free Florida car insurance quote online now and see how much you could be saving!

Florida No Fault Insurance

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 Requirements

Since 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).

You must note that covering the property damage done to your vehicle will be responsibility of the at fault party in the accident.

Florida no fault auto insurance law is intended to reduce lawsuits between drivers. You can only sue the at fault party if you meet certain thresholds like major bodily function, disfigurement or significant scarring.