Florida Auto Insurance Laws – FL Car Insurance Laws That You Need to Know
Why is it important to understand some of the various Florida auto insurance laws? Well, if you live in the Sunshine State, you are well aware of the exodus of car and home insurers in recent years, due to the high number of claims resulting from hurricanes. Insurance is very important in a state where you could be hit by natural disasters, as well as other perils, at any moment. Before shopping around for car insurers, Floridians should be aware of the laws concerning car insurance in the state.
Florida Auto Insurance Requirements
The state of Florida is a partial no fault insurance state, which means that you must carry at least minimum required car insurance and if involved in an accident, your insurance will pay for your medical expenses regardless of who is at fault in the accident.
The minimum required amounts of coverage are:
-$10,000 property damage liability coverage per accident
-$10,000 Personal Injury Protection
Bodily injury liability insurance is not required by law but you can be penalized for not having it if you are deemed responsible in a car accident. If you have been convicted of certain types of violations or been in an accident where you couldn’t pay for the damages, you will be required to carry this type of coverage.
Insurer must offer stacked uninsured motorist coverage but you are not obligated to buy either the stacked or unstacked version, according to FL law.
Part Time Florida Resident Insurance Requirements
Many people spend a portion of their year in the Sunshine State and the remainder of it elsewhere. If you have a car in Florida for more than 90 days throughout the year, you must purchase at least the minimum personal injury protection and property damage liability coverage.
Now that you are aware of the FL auto insurance laws that you need to know, you are ready to start shopping around. Use an online quote tool for the quickest, more efficient way to get quotes that you can easily compare and contrast to be sure you get the best FL car insurance deal available.
By: James J. Robinson
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