Get an auto insurance quote – The Sunshine State follows the No-Fault law which requires motorist to carry Personal Injury Protection (PIP); this ensures that compensation is in place in the event the policyholder is injured as a result of an automobile collision regardless of who is at fault. PIP will cover the policyholder’s children, members of their household and passengers as long as they do not own a vehicle; in addition, if the child of the insured is injured while riding in a school bus they will also be covered up to the policy limits. PIP also protects the policyholder if they are injured while riding in another person’s vehicle, as a pedestrian or bicyclist if injuries are a result of a traffic accident.

The main goal of the No Fault law is to make sure that injuries sustained after a traffic accident are covered and to help keep cases from reaching courthouses. The Florida car insurance laws require that any vehicle with at least four wheels which is to be registered have a minimum of coverage consisting of $10,000 for Personal Injury Protection and $10,000 for property damage liability; property damage liability will cover the damage caused by the insured in their vehicle to another person’s property such as their automobile or fence. Failure to comply with these rules can result in the suspension of driving privileges and registration until proof of coverage is provided.

Additional Information About FL car insurance

Automobile coverage is taken very serious in Florida and if caught without insurance the Department of Highway Safety and Motor Vehicles is authorized to suspend a person’s driver’s license, license plates and registration for up to three years or until proof of a valid policy is provided. If this is the case, a license reinstatement fee will need to be paid in the amount of $150 and up to $500 for subsequent violations.

Motorists who may not reside in the state may also need to purchase FL auto insurance if they utilize the roadways for more than 90 days in a 365 day period; it does not matter if it is for work or pleasure and the 90 days do not have to be consecutive; this is to ensure that the driver is covered for bodily injury in the event of a collision since the majority of Floridians are not required to carry bodily injury liability and the motorist will not be covered if injured.

If a motorist has caused bodily injury to another party as the result of a traffic accident they may need to carry bodily injury liability; this coverage will pay for injuries or death caused to another party involving the insured’s automobile. This type of liability will also provide legal representation if the policyholder is sued. In addition, injuries caused by family members who reside in the household may by covered under this protection even if they were operating someone else’s vehicle. The laws of the Sunshine State can become complex and one may want to contact the Department of Insurance for any clarification and to make certain that they are properly insured.

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