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.
