No Longer Required Auto Insurance in Florida

As of 2022, Florida drivers are no longer required to carry hit-and-run coverage. Most full-coverage insurance packages will include this, but it is a good idea to shop around. In case of an accident, hit-and-run coverage can be invaluable. Florida requires drivers to have at least bodily injury liability coverage, which pays for the medical bills of others. Another type of coverage is collision coverage, which covers the damages that your car incurs when it collides with another vehicle. insurance quotes auto

Bodily injury liability insurance covers you if you cause bodily injury or death to other people. While it is not mandatory in Florida, it is still a good idea to carry this type of insurance. In fact, many insurance companies package this type of insurance with other types of auto insurance. And it doesn’t just cover you, it also protects your passengers and family members if you get into an accident.

While Florida’s car insurance minimums are low, drivers should consider purchasing coverage above the minimum coverage levels. This is because the minimum amount of coverage won’t cover many of the costs associated with accidents. If you or someone else is injured, the minimum coverage limits will not be enough to pay for medical expenses. In addition, injuries resulting from a collision may be worth a lawsuit, which can be very costly.

Driving without insurance is illegal in Florida. If caught, you may be penalized up to $500 and have your license suspended for three years. You must also pay reinstatement fees, which can reach up to $500. Also, you need to have a proof of insurance ready in case you are pulled over by law enforcement.

Car insurance rates in Florida vary widely, and you can find the best deal by shopping around. Compare several quotes from different companies to determine the lowest rate. Be sure to take advantage of discounts offered by different companies and opt for optional coverage if you wish. There is no reason to overpay for coverage when you can get a better deal on the same coverage.