Florida No Fault Insurance law

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.

Auto Insurance For Senior Drivers

Looking for cheap auto insurance for senior drivers in Florida? Congratulations, your search is over. Here you can find all the essential information regarding auto insurance for senior drivers. You can save up to $600 by comparing quotes online. Get instant free quotes now and see how much you could save today.

Who is considered as a senior driver?

Many people don’t realize that insurance companies have a different view on seniors. In society in general, as senior citizens are considered people aged 65 or over. As far as insurance companies are concerned, a senior driver is every one over 55 years old. Yet again, older drivers are divided in 2 further groups – those aged under 75 years and those aged over 75 years.

We have an ageing populations and insurance companies are well aware of it. With maturity people tend to change their driving habits too.

Insurance rates for senior drivers

Age, driving history and the type of car you drive are some of the fundamental factors used to calculate auto insurance rates for senior citizens. Statistics show that older people are in general careful and law abiding drivers. Not many tickets for speeding or reckless driving are issued to grandmothers. Fast and expensive sports cars are also not a common sight in the garages of senior drivers.

When it comes to driving, maturity has it good sides. Insurance data suggest that older drivers use their cars less. The only cons are often deteriorating sight, which affects night driving in particular, and slower reflexes.

If you are under 75 years old and have a good driving record, your car insurance rates will be lower than the average. If you are aged 75 or over, insurance companies will, in most cases, put you in the high risk category and you may seen an increase in your premiums.

Cheap auto insurance for senior drivers

If you are still driving your old car, which of course has a sentimental value to you, you may find yourself in a tricky situation. Not only are older cars less economical but sometimes their value is less than the yearly insurance premiums. Exchanging it for a more economical vehicle full with safety features will save you a lot of money on insurance.

Taking a defence driving class is a very good idea too. Insurance companies reward drivers who have taken such classes with cheaper insurance rates.

The easiest thing you can do to find cheap auto insurance for senior drivers is to compare quotes online. Insurance experts recommend getting at least 3 quotes from different companies. You will be surprised by the difference in rates. Some people save up to $600 on auto insurance!

What are you waiting for? Get instant, no obligation, insurance quotes now and see how much you could be saving.

Auto Insurance For High Risk Drivers in Florida

Finding low cost auto insurance is not easy for high risk drivers. As you may already know, insurance companies charge high risk drivers higher premiums. Finding low cost auto insurance can be a challenging but not infeasible.

Who belongs to the high risk drivers group?

A number of factors are used by insurers when determining if a driver is high risk. The most important ones are – age and experience, driving record and credit rating.

Young drivers – insurance experts point out that in a huge % of all accidents, young drivers are at fault. Based on such claims, insurers have no option but to put new drivers in the high risk group. Insurance premiums for teenage boys in particular are quite high, especially for those driving faster cars.

Drivers over 55 – society generally accepts people as senior citizens when they are over 65 years old. There is an argument that senior drivers driver more carefully and rarely own sports cars. Yet, statistics reveal that older drivers are involved in accidents quote often.

People with poor driving record – when insurance premiums are calculated, driving history still plays an important part. You can anticipate to be charged more if you have been traffic violations like – driving uninsured,being at fault for an accident or driving under the influence. You may be required to have SR22 or in some cases even FR44 as part of your policy.

Low credit score – the use of credit score by insurers is seen as unfair by a lot of people. In recent years, insurers put more and more importance on credit rating. People who pay their bills on time are considered as less of a risk.

Cheaper auto insurance for high risk drivers

Some may argue that is is simply impossible to find affordable car insurance for high risk drivers, but that’s not true.

For teen drivers, the most important think to pay attention to is keeping a clean driving record. If you are at school or college, maintaining good grades can lower your premiums.

Obeying the law is very important. Don’t drive under the influence of alcohol and never drive uninsured – its common sense. Don’t allow your insurance policy to lapse if you are required to file SR22 – your license will be suspended.

Driving a more economical car packed with safety features will definitely help you find cheaper insurance.

For senior drivers, as well as inexperienced ones, taking a defence driving course is a great idea.

The easiest way for high risk drivers to find affordable auto insurance is to compare quotes online.

Insurance experts recommend getting quotes from at least 3 insurance companies. You will be amazed by the difference in rates offered by different insurance companies.

Compare Florida Car Insurance quotes online now to see how much you could be saving on your car insurance!

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 Auto Insurance – Personal Injury Protection (PIP)

Question: What is PIP?
Answer: PIP is the common abbreviation for Personal Injury Protection. Under Florida No Fault Insurance law, PIP is a mandatory requireament .

Q: Who is insured by PIP?
A: The named insured and all resident relatives are covered under the PIP coverage of your Florida auto insurance policy.

Q: Do resident relatives need to be listed drivers?
A: Resident relatives are not required to be listed drivers on the policy for coverage to apply.

Q: Are all of my vehicles covered by PIP?
A: Yes, all cars owned by you and listed on your Florida auto insurance policy are covered by the Personal Injury Protection.

Q: Are trailers considered a covered vehicle?
A: Any trailer designed for use with a private passenger vehicle and not used for business is considered a covered vehicle.

Q: What does PIP actually cover?
A: Personal Injury Protection benefits include: Medical benefits, disability benefits, and death benefits.

Q: What is the amounts payable when PIP coverage applies?
A: Medical benefits are payable at 80% of the amount incurred due to a covered injury. The amount of death benefit payable for an insured person is $5,000. Disability benefits are payable at 60% of any lost wages incurred due to a covered injury. The total amount payable under PIP for any one accident is $10,000.

Q: Is there a deductible under PIP coverage?
A: Florida Motor Vehicle Law allows a deductible of no more than $1,000 for PIP coverage. Choosing a deductible is optional and will lower the premium if you elect one. Also, work loss exclusion is allowed under the law and if elected your premium will be lower and you will not receive any benefit from lost wages due to a covered injury.

Q: Do Personal Injury Protection benefits increase depending on the number of cars on my policy?
A: No, a premium is collected by your insurance company for each motor vehicle listed on the policy; however, this does not increase benefits.

Q: Can I cancel my PIP policy and have a registered vehicle?
A: No! If you fail to maintain required PIP coverage your driver’s license will be suspended.

Q: I live in Florida only for a few months of the year do I still require PIP coverage?
A: Any vehicle registered in the state of Florida is required to carry PIP coverage even if that vehicle is not in use or is in another state part of the year.

Q: Does Personal Injury Protection cover me even outside the Sunshine State?
A: Yes, a Florida resident who is covered under the PIP portion of a Florida auto insurance policy is covered while driving that vehicle outside the state of Florida.

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.

Florida No Fault Car Insurance – Is It Required?

Yes, Florida No Fault Car Insurance is mandatory.

If you live in Florida or you need to stay in the Sunshine State for longer than 90 days you must have Florida No Fault Car Insurance. The Florida Department of Highway Safety and Motor Vehicles does not need the 90 days to be consecutive to require this insurance on the vehicle.

Don’t forget that driving without car insurance is illegal. You must have auto insurance even if your vehicle is not currently used, as long as it has Florida registration tag.

You must obtain auto insurance from Florida, not another state.

Florida No Fault Car Insurance Minimum Required

The minimum coverage required is:

1. PIP – Personal Injury Protection, $10,000.

2. PDL – $10,000 Property Damage Liability,$10,000

Additionally, if you have been involved in an accident, or have been convicted of certain offences, you may be required to purchase Bodily Injury Liability (BIL) coverage.

Under Florida No Fault Car Insurance law, if you are involved in an accident, your insurance company will cover your medical expenses, regardless of who was at fault.

However, the at fault party will still have to cover the property damages.

Save money on Florida No Fault Car Insurance

In comparison with other states, people living in Florida pay slightly more for their car insurance.

Nevertheless, there are plenty of things you can do in order to reduce your monthly car insurance payments.

1. Leave the car at home more often – walk, carpool and biking are all good options. Less mileage means more affordable vehicle insurance and less spent on gas every month.

2. Pay attention on the road- if you have speed tickets or other traffic violations, your vehicle insurance in Jacksonville will go up.

3. Go online and compare – you will be surprised how much you can save if you shop around.

Get FREE Florida No Fault Car Insurance Quotes in minutes and see how much you can save today.