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Auto insurance requirements in Alachua, Florida
First of all you must know that an insurance policy from another State will not be accepted in Florida, it has to be issued by a company licensed to work in Florida.
Florida is one of the States that applies the No Fault insurance law. If you are moving to Alachua from another State, you may be unfamiliar with No Fault insurance. Knowing and understanding Florida No Fault insurance law will help you to choose the right coverage for you and will also help you if you need to make a claim in the future.
Florida State law requires you to have a minimum car insurance coverage of:
- Personal Injury Protection (PIP) – $10,000
- Property Damage Liability – $10,000
Personal Injury Protection (PIP) in Alachua,Florida
In the event of an accident, your Personal Injury Protection policy would payout without regard to fault. Personal Injury Protection pays for costs such as medical expenses, lost wages and other damages . In the unfortunate event of death, Personal Injury Protection insurance will payout a $5,000 lump sum..
Property Damage Liability (PDL) in Alachua,Florida
If you or a member of your family damages another persons property with your vehicle Property Damage Liability insurance will cover this damage. Property may include fences, buildings, other road vehicles or roadside items such as road signs.
Factors that can affect Auto insurance requirements in Alachua, Florida
Bodily Injury Liability (BIL) is not required for all drivers, only for higher risk ones. Higher risk dirvers include those who have previously caused an accident, need SR22 insurance or have poor driving record.
It is a criminal act to drive uninsured in Alachua, FL. When you get caught you may face serious legal consequences. On top of any fines you may have to pay, you will be also required to have SR22 insurance. The DMV can suspend your license for up to 3 years!
As you probably know, DUI is considered a serious driving offence. You will require an FR44 Formif you are convicted of DUI. SR22 and FR44 will, inevitably, impact what you will have to pay for your auto insurance.
Florida No Fault insurance explained
Basically, No Fault insurance simply means that each driver is covered by his own insurance policy but have restricted rights to legally seek recovery for losses caused by the accident. This means, even if you are at fault, you can not be sued for damages.
Some people in Alachua, Florida however, are misled into thinking that all cost will be covered by their policy.It is important to know that is not the case. Your car insurance policy only covers (up to your insurance limits ) only the medical expenses. If your car or property is damaged, the at fault driver’s insurance should cover the expenses.
The ability to sue other drivers for damages is closely regulated and under Florida No Fault Insurance law, all drivers must carry insurance for their own protection.
As a driver in Alachua – What other cover should I consider?
Experts say that you should never go with the legal minimum cover. In a serious accident a minimum coverage policy will hardly cover your expenses. Adding additional cover and choosing higher limits will probably save you money in the long run. This could include:
- Adding collision and comprehensive coverage.
- Uninsured/Underinsured Motorist insurance coverage.
- Increasing your deductible to help offset some of the additional costs.
Cheap auto insurance in Alachua, FL
Believe it or not, it isn’t that difficult to find affordable auto insurance in Alachua, FL. The only thing you really need to do is to compare several quotes. And never ever simply accept a renewal quote from your current insurer stright away. You are in control because the insurance companies in Alachua, FL are doing all they can to attract new customers!
In most cases, auto insurance companies offer special rates to each new customers.
Even if you need young drivers car insurance in Alachua you are still likely to get a discount under many circumstances Did you know that some companies will offer special rates for consitently good grades at school? As a parent this is really a win-win situation, if you encourage you son or daughter to get better grades they’ll be getting a better start in life AND cheaper car insurance!
Seniors drivers can also get discounts and enjoy affordable auto insurance in Alachua too. The lower annual mileage and the fact senior drivers don’t driver expensive, fast cars are just some of the reasons.
What ever your car insurance needs, compare Alachua car insurance quotes NOW and you could save up to $600!
Tags: Alachua Auto Insurance Quotes, Alachua Florida Auto Insurance, Alachua Insurance Requirements
