Car Insurance Florida Minimum State Requirements

By: Brent A. Kenny

It's important to know car insurance Florida requirements whenshopping for Florida auto insurance. Not everyone is the same, whichmeans their Florida car insurance policy should not be either. If youaren't sure what's required in Florida state, or you are moving,educate yourself on Florida minimum state requirement and plan toexceed them.

When buying automobile insurance in Florida, you must includepersonal liability of $10,000 for one person involved in an accidentthat is caused by you, a further $20,000 cover to provide the medicalcosts of all persons injured in a single accident and $10,000 fordamage to property, including the other driver's car.

However, you must offset that against the likelihood of you causingan accident involving an expensive private passenger auto. When viewedin these terms, then you might consider $10,000 to be adequate. It'syour choice, and yours alone. Nobody can really tell you what you haveto do here. In addition to these levels of personal liability, Floridaalso requires you to purchase $10,000 Personal Injury Protection (PIP)in your coverage helps pay for medical expenses or funeral for you andyour passengers. Incidentally, the property liability portion of yourFlorida auto insurance must also cover damage to your own property.

These are all set levels, and you can restrict yourself to these ifthat is all you think that you need. However, if your vehicle isvaluable then you better also take out collision cover that protectsyou against repair or replacement costs if you damage your own vehiclein an accident. If somebody else causes the accident then their thirdparty liability may cover it, but if your private auto is worth morethan $10,000 then possibly not. You would then have to sue the personthat caused the accident for the balance of the cost of your repair orreplacement car.

The state of Florida follows a No-Fault insurance system meaningyour insurance company will make payments for your injury claimsregardless of fault, up to a specified limit. Typically, you lose someof your rights to sue under a No-Fault system.

Collision coverage covers you for all of this irrespective of whocauses the accident. Comprehensive coverage is another possible option.That provides you with automobile insurance cover against damage fromany cause other than collision. Examples include vandalism, fallingtrees or roof tiles, storm damage and floods. This is again worthconsidering if your automobile is worth a fair amount of money, or isvery expensive to repair.

You can get uninsured or underinsured motorist coverage to coverbodily injury caused by an uninsured and/or underinsured driver.Florida doesn't require drivers to purchase this coverage, but youmight want to consider purchasing this valuable cover. (Be aware thatcarrying the minimum requirements won't cover your losses in seriousaccident.)

Many drivers don't carry insurance because they can't afford thecost of coverage. There are many ways to save money in Florida, yourfirst step when looking for an auto insurance company is to get a Florida auto insurance quote.

Your car insurance Florida requirementsneed not be as expensive as your initial quote might suggest if youthen take the time to find out all of the discounts possible for yourown circumstances. Automobile insurance companies in Florida aselsewhere will provide an initial base quote and then leave it to youto ask for the reductions. They will not offer themFree Reprint Articles, so be aware ofwhat you can ask for.

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