What Is Required For Car Insurance In Florida

Florida may be expensive when it comes to car insurance but it is extremely minimal in its requirements of what you need to carry.  It is, of course, required that you have car insurance in Florida prior to getting a plate for your car or registering it.  You also must maintain that insurance all the way through the life of the registration. 

Florida is a ‘no-fault’ state according to
https://floridainsurancequotes.net/auto-insurance/florida-auto-insurance-requirements/ .  What that means is it doesn’t matter who caused the accident, the carrier will pay the claims for medical expenses (up to eighty per cent) and lost wages (up to sixty per cent) using Personal Injury Protection coverage (PIP).  This is one of the things that you are required to carry along with Property Damage liability (PDL) in the state of Florida.

Property Damage liability will cover any damages that occur to the other vehicle in the accident.  Neither of these policies will pay for any damages that take place to the actual policyholder’s vehicle.  That leaves the motorist who may have been involved in a serious accident holding the bag with some major repair expenses. 

Car insurance in Florida holds very little requirements but they do have many recommendations.  Collision coverage carries a deductible for the policyholder, but after the deductible is met, the motorist has coverage that will pay for damages that occur to their vehicle.  Most lenders and dealers will require that someone who leases or finances a car has this on their insurance policy.

A lot of Floridian insurance carriers encourage selling insurance policies with the Bodily Injury Liability coverage.  This will pay for any serious bodily injury you may cause someone in an auto accident.  It will also cover any defense costs in case you are sued by the victims or their families.  You also have to have the Bodily Injury Liability coverage in order to get Uninsured/underinsured coverage which is real nice to have as a supplement to the PIP coverage.  It is also beneficial when involved in an accident with someone who has no insurance to pay for the damages to your car.

Car insurance in Florida is expensive according tohttps://floridainsurancequotes.net/auto-insurance/florida-auto-insurance-requirements/, even for just the bare minimum that they require, but it is worth getting the extra coverage in case you or your family are seriously hurt or someone in another car is gravely injured.  You’ll be glad you have it if something terrible were ever to happen. Everything will be taken care of.