Friday, March 30, 2012

Florida Car Insurance Requirements

Miami Beach, Florida - The Florida Car Insurance staff realizes that all Automobile vehicle owners, in Florida, are required to carry automobile insurance. Proof of coverage is required prior to registering an automobile. It is also necessary at renewal when you go to the DMV (Department of Motor Vehicles). There are three different types of insurance: personal injury protection (PIP), property damage liability (PDL) and bodily injury liability (BIL). In Florida, drivers are required to carry PIP and PDL. We breakdown the requirements and definitions below.

State Laws of Florida and Car Insurance Requirements

 Florida state law does require PIP, in addition to Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as a PIP/PD. Even if state law does not require a minimum coverage for Bodily Injury Liability coverage, you may be required to get this coverage once you have been in an accident. It is advised that you get at least the minimum Bodily Injury Liability coverage.

Minimum Required Auto Insurance Coverage for Miami Beach Florida

Property Damage Liability: $10,000 Limit
Personal Injury Protection: $10,000 Limit

The state of Florida follows a No-Fault system, meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state. Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. Florida state law requires a minimum

Personal Injury Protection coverage of $10,000. Insurance Companies of Florida with Quotes Online for Cars You can get Uninsured - Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Florida Car Insurance requirements do not necessitate drivers to purchase this coverage, but you should consider purchasing this valuable coverage.

Penalties for Miami Drivers without Florida Car Insurance Coverage

There are significant penalties provided for drivers who do not maintain proper insurance coverage. Consequences for not having proper insurance include: license suspension for up to three years and fines up to $500. Florida Drivers who want to avoid any civil penalties can return their vehicle tag and registration to the state of Florida. You can normally do this by visiting the local Florida Department of Motor Vehilces. At that point in time no car insurance will be required. However, you must remember that the car or truck cannot be legally driven without a tag and insurance.

Motorcycle Owners Shopping For Florida Insurance

 Florida has different rules for motorcycle owners. Insurance is not required in order to register a motorcycle. However, the driver will be personally responsible for any damage or injury as a result of the motorcyclist being involved in an accident. In certain state of affairs, Florida Motorcycle insurance may be required before hitting the highways.

Definition of the Motorcycle for Florida Insurance

Motorcycles are generally the easiest of the two-wheeled vehicles to spot. Know that if your two-wheeled vehicle has an engine displacement of more than 50 cc, Florida considers it a motorcycle and you must register it.

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Thursday, March 29, 2012

Florida Car Insurance Laws

Jacksonville, Florida - The average Florida Driver wants to just get in their car and drive. No nonsense, no drama just have a nice time and explore our fine Sunshine State of Florida. Yet we do need to have car insurance according to the State of Florida law, If you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection (PIP) insurance and a minimum of $10,000 of property damage liability insurance. You may have a deductible of up to $2,000 for PIP coverage and $500 for Property Damage Liability.

Florida Car Insurance with Personal Injury Protection (PIP)

Personal injury protection (PIP) insurance covers you regardless of whether you cause an accident (meaning you are "at-fault") -- up to $10,000 minus your deductible amount. PIP is designed to reduce the necessity of suing for reimbursement of medical and related bills from auto accidents. PIP pays:

• 80% of reasonable medical expenses related to the accident
• 60% of lost wages as a result of the accident
• $5,000 for death benefits

Car Insurance Coverage for Jacksonville and all Florida Cities

For accidents that happen in Florida, PIP covers you, relatives who live in your home, certain passengers who do not own a vehicle, and others who drive your car with your permission. Pedestrians and bicyclists are also covered if they are Florida residents. PIP coverage also provides coverage for acts of violence against the policyholder while driving including injuries sustained as a result of road rage or a car-jacking.

For accidents that happen outside Florida but inside the U.S. or Canada, PIP covers you and relatives who live in your home. In this case, you must be driving your own vehicle. Persons other than you or your relatives are not covered. Property Damage Liability Insurance pays for damage you, or members of your family, cause to another person’s property while driving. The term "property" includes, for example, a fence, telephone pole or building, as well as another car.

Coverage applies even if you drive someone else's car. Depending on the terms and conditions of your policy, it may also include anyone else who uses your car with your permission.

Florida Car Insurance After DUI

Bodily Injury Liability coverage (BIL) is generally not required in Florida. However, if you have been convicted of a DUI, BIL is required for a period of three years after your license has been reinstated. If you were convicted on or before October 1, 2007, you must get a minimum of $10,000 worth of coverage per person and $20,000 worth of coverage per incident. If you were convicted after October 1, 2007, you must have $100,000 worth of coverage per person and $300,000 worth of coverage per accident.

Companies with Florida Car Insurance with Understandable Terms

BIL pays for serious and permanent injury or death to others when your car is involved in an accident, and the driver of your car is found to be at fault to some extent. This policy pays for injuries caused by you and relatives who live with you, even if they are driving someone else’s car. It also covers people who drive your car with your permission. BIL coverage applies only after PIP benefits are exhausted. With this type of policy, the insurance company will also pay for your legal defense if you are sued.

All auto insurance policies must include a summary and an outline of coverage in clear understandable terms. Along the side of our website we now have a recommendation for Florida Car Insurance quotes.



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Wednesday, March 28, 2012

Florida Car Insurance Information


Miami, Florida - The majority of Florida Drivers are worried about extremely high gas prices so we need to save whenever possible. Therefore buying car insurance is a start to save some money for your budget. Getting Florida Car Insurance Coverage so that you will be sure you carry the mandatory minimum level of coverage that is required in the state. We will be providing some information below in which our staff members wish will be helpful in answering some of the more common questions for Florida car Insurance

Minimum Coverage Required for Florida Car Insurance

You don’t have to stick with the minimum levels of coverage. You can get additional coverage, but you must carry at least $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). Florida law requires you to carry this minimum coverage as long as you have a valid Florida tag on the car. You must keep this coverage until the vehicle is licensed in another state or if the vehicle becomes inoperative. The license plate and registration have for the car need to be turned into the Florida Driver’s License Bureau if the car is deemed inoperative.

Florida Car Insurance Laws and Coverage

Florida does not allow for any exemptions in the mandated insurance law. The car must be insured as long as it is registered and licensed in the state of Florida. The penalty for not insuring the vehicle can include having driving privileges taken away. We know you don’t want that as Florida is such a beautiful state that you need to drive it, to take in all the sights. Other penalties may include seizing your cars plates, the registration, and even a fine up to $500.

With current Florida car Insurance Companies offering low rates, why take the chance to get fined. The few Florida Drivers who have had an unpleasant time behind the wheel could face other issues. You may need to purchase Bodily Injury Liability or BIL coverage if you’ve been convicted of certain traffic offenses like DUIs or have had an accident that is determined to be your fault.

Shop Online for Florida car Insurance Quotes

Do you already have a car and need to insure it properly? We want to inform you that you could very well still save hundreds of dollars by taking advantage of Florida Car Insurance Companies online. They will provide quotes from several companies and you can choose without being obligated if you don't see an insurance rate that you like. Save time and get car insurance rates from the comfort of your own home.

Be Safe and Own Car Insurance While Driving in Florida

You must carry Car Insurance in Florida on any automobile or truck licensed and registered in the state of Florida. No two Florida car insurance companies offer the exact same price. You should think about coverage, how many drivers in your home, and types of automobiles. Therefore, searching and comparing Florida Car insurance companies is your best bet to finding easy and cheap auto insurance. On the side of our website we have recommendations for Florida Car Insurance quotes.
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