Auto Insurance in Florida Requirements

The Florida law requires that drivers carry at least the minimum level of auto insurance coverage. Property damage liability insurance pays for damages to your car in an accident. While this may not seem like a lot, it can add up to $3,500 or more in the case of a minor bumper ding. A higher liability insurance limit is recommended if you experience a severe accident. auto insurance quotes online free

Bodily injury liability insurance pays for injuries caused by your collision with another person. It also covers medical expenses and legal fees for the injured party. This coverage is not required in Florida initially, but most insurance carriers and agents offer it. In addition, if you have a Florida DUI conviction, you may have to obtain bodily injury liability coverage.

Florida also requires drivers to pass the CARCO examination to obtain insurance. The examination will verify that the driver is the owner of the car and document its condition. The inspection will also help avoid unexpected coverage drops later. In addition, it is important to have your car inspected when you first purchase it.

If you decide to finance a new car, you should purchase a full coverage policy. Failure to do so may result in a suspended license for up to three years and a fine of $150 to $500. In addition to the fine, you may also face a reinstatement fee of up to $500 if you are caught driving without auto insurance.

Although the minimum Florida car insurance requirements are lower than in many other states, the state’s rates tend to be higher. You must show proof of insurance before you can register your vehicle in Florida, and if you have a DUI or a felony on your record, you must also comply with more stringent insurance requirements.

The state of Florida requires drivers to carry bodily injury liability coverage and property damage coverage. While PIP coverage is sufficient for most drivers, it is not enough. Drivers should also carry sufficient insurance coverage to cover their medical expenses, including uninsured motorists. Getting enough coverage will protect you and your family from major financial losses.

If you don’t have the money to pay for a collision yourself, you can hire a lawyer to get the costs paid for. Often, these costs can exceed $10,000. Personal injury protection can cover up to half of the damages caused by a collision.