General Guide on Florida Car Insurance

Every state is unique in auto insurance, just like its monuments, cuisine, and culture. Driving without insurance is unlawful in Florida. Drivers in Florida are obliged to carry bodily injury, property damage, uninsured motorist, and personal injury protection coverage. See what types of coverage and coverage limits are required in Florida.

Insurance Coverage in Florida

Although Florida law does not require drivers to have this coverage, all coverages are subject to the coverage limits mentioned in your policy.

Bodily Injury Liability

Although Florida does not mandate bodily injury liability (BIL) insurance, many experts believe it is prudent to obtain this coverage. This safeguards you in the event of a car accident in which people are hurt or killed as a result of your negligence. Even though Florida is a no-fault state, an injured party may sue you for damages if they are severe or exceed the minimum insurance requirements. Otherwise, you may be forced to pay for damages out of your pocket.

Property Damage Liability

When you are at fault in an accident, this coverage helps cover expenditures linked to the damage of another person's property, such as vehicles, homes, buildings, and other structures.

Uninsured Motorist

If you are in an accident and the other motorist is at fault and does not have insurance, this coverage will assist you in covering your medical expenses.

Underinsured Motorist

If you are in an accident and the other motorist is at fault and does not have enough liability insurance, this coverage will assist you in covering your medical expenses.

Personal Injury Protection

You may be wondering what PIP (personal injury protection) means to you as a Florida driver. PIP insurance is intended to cover medical bills and other costs such as lost earnings. Because it covers and pays claims on accidents regardless of who is at fault, this insurance is commonly referred to as "no-fault" coverage. Furthermore, PIP is to defend yourself against minor claims that may necessitate additional funds to pay for damages if you are found to be at fault.

Collision

It helps to cover the costs of repairing or replacing a vehicle that has been damaged in an accident. Remember that collision insurance is not included in your minimal Florida liability or personal injury protection (PIP) policy.

Comprehensive

It helps to pay the costs of repairing or replacing a vehicle that has been stolen or damaged by factors such as storms or vandalism. This extra coverage covers auto theft, "acts of nature," and other accidents other than car collisions. Hail storm, lightning, flood, and hurricane damage claims are common under comprehensive insurance coverage in Florida.

Florida Car Insurance Discounts

Drivers in Florida are looking for vehicle insurance that provides amazing service and good value. Discounts on vehicle insurance premiums are available in the state of Florida, and they include:
  • New Vehicle Discount
  • Defensive Driving Discount
  • Good Student Discount
  • Military Discount
  • Multi-Policy Discount

Insurance Laws in Florida

All drivers in Florida are required to obtain auto insurance coverage, according to the Florida Department of Highway Safety and Motor Vehicles (DHSMV). You may be penalized if you are pulled over and do not have legitimate proof of Florida auto insurance. So make sure you have your insurance ID card when you drive. There are two key Florida vehicle insurance laws to be aware of:

The Financial Responsibility Law

Due to their driving history, certain drivers must carry full liability vehicle insurance coverage. These drivers include individuals who were at fault in previous incidents that caused injury to others, as well as those who obtained too many points on their license, a DUI, or revocation due to serious and repeated violations.

The Florida No-Fault Law

All drivers must have personal injury protection under this statute (PIP). In the event of an accident, regardless of responsibility, this coverage assists in paying the insured's medical expenditures. People frequently believe that because Florida is a No-Fault state, drivers cannot be legally pursued for injuries they cause in an accident, but this is not true. No-fault implies that drivers involved in an accident must rely on their own auto insurance companies to cover any following costs.

How About Teen Drivers in Florida?

The state of Florida employs a graded licensing system. This approach enables juvenile drivers to receive driving experience in a safe environment under various conditions and circumstances before obtaining full driving privileges. These laws are critical for both youth and parents to understand:
  • A teen may apply for a learner's permit at the age of 15.
  • A teen may only drive during daytime hours with a learner's license for the first 90 days. After 90 days, a teen's learner's permit allows them to drive until 10:00 p.m. A licensed motorist must always accompany the teen driver over 21.
  • A teen may apply for a driver's license after holding a learner's license for at least one year and completing at least 50 hours of certified practice, 10 of which must be at night.
  • A teen with a driver's license who is 16 years old is normally only permitted to drive between 6:00 a.m. and 11:00 p.m.
  • At the age of 17, a teen with a driver's license is normally permitted to drive only between 5:00 a.m. and 1:00 a.m.
  • When a motorist reaches the age of 18, most licensing limitations are lifted.

The Average Cost of Your Florida Car Insurance

According to a survey, the average annual cost of vehicle insurance in Florida is $2,328. This is 56.5 percentage points greater than the national average. Of course, the cost of your auto insurance will be determined by a variety of criteria, including your age, where you live, and your driving record. Some people get the bare minimum of coverage, while others prefer the comfort and security of more coverage. Some insurance companies tailor your Florida auto insurance to only pay for what you require.