Florida Auto Insurance Requirements

Florida auto insurance requirements are important for drivers to understand. In most states, drivers are required to carry a minimum amount of coverage. Failing to carry the minimum amount of coverage can result in jail time and large fines. In Florida, the minimum level of coverage is $10,000 in personal injury protection and property damage liability. However, this amount can rise if a person gets into a major accident. If this happens, you’ll need to contact your insurance agent to discuss increasing your coverage limits. Florida drivers must also have collision coverage, which pays for damage to their own vehicle. ma auto insurance quotes

Although Florida requires drivers to carry liability insurance, there are many benefits to having more coverage than the minimum amount of coverage. For example, the minimum amount of liability insurance may not be enough to cover the cost of a claim. You’ll find that most insurance companies will recommend that you purchase more coverage than you are legally required to.

Another benefit of having bodily injury liability insurance is that it protects you from other drivers’ negligence. If you hit another car, the other motorist may be able to sue you, so having this type of insurance will allow you to pay for their medical costs. The cost of a hospital stay can easily reach thousands of dollars.

If you’re relocating from another state, you can’t carry your old car insurance with you. You’ll need to purchase minimum coverage from a Florida-based company or agent. Most of these companies are national companies, but you should be aware of your local laws. Snowbirds are also required to carry insurance if they’re staying in Florida for 90 days or more.

Florida drivers must also have property damage liability insurance. This insurance covers damages to another driver’s car, and is worth a minimum of $10,000. In addition to this, Florida drivers must also carry personal injury protection. This coverage is also known as no-fault insurance and helps cover medical bills and lost income for people injured by other drivers.

In Florida, there are several types of automobiles. Taxi drivers, for example, are required to carry bodily injury liability insurance of $125,000 for each driver and $50,000 for property damage. This insurance covers medical expenses for the driver, regardless of who was at fault. Other types of cars, such as motorcycles and vans, also have higher minimum car insurance requirements.

In addition to liability insurance, drivers must also carry PIP and PDL coverage. PIP coverage pays 80% of medical expenses incurred in an accident. PDL covers damages to property and covers the cost of repairs and replacements. You’ll need proof of these insurances when applying for a license in Florida.

If you get involved in a car crash, Florida auto insurance requirements state that you must carry collision insurance. Collision insurance pays for the cost of repairs to your vehicle.