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Car insurance requirements in Boca Raton, FL
The first requirement is that you policy is issued in Florida. If your insurance policy is from another state, it will not be valid.
Florida is one of the States that applies the No Fault insurance law. A lot of people who move to Boca Raton do not understand Florida No Fault insurance. In order to find the right insurance for you and your family, you have to understand the law.
Florida State law requires you to carry a minimum auto insurance coverage of:
- $10,000 of Personal Injury Protection (PIP)
- $10,000 of Property Damage Liability
Personal Injury Protection (PIP) in Boca Raton,Florida
In the event of an accident, your Personal Injury Protection policy would payout without regard to fault. Costs incurred through lost wages, medical expenses and other damages are all covered under your Personal Injury Protection policy. Personal Injury Protection also pays a $5,000 death benefit.
Property Damage Liability (PDL) in Boca Raton,Florida
If you or a member of your family damages another persons property with your vehicle Property Damage Liability insurance will cover this damage. Other peoples property could include fences, bulidings and other road vehicles.
Factors that can affect Car insurance requirements in Boca Raton, FL
Only higher risk drivers are required to carry Bodily Injury Liability (BIL) as well. Drivers who are required to carry SR22 insurance, have a bad driving history or have been at fault in an accident will fall in the high risk insurance category.
Driving whilst uninsured in Boca Raton, FL, is against the law. Sooner or later you will be caught and may face criminal charges. You are likely to be forced to carry SR22 insurance and pay any fines issued against you. The Department of Motor Vehicles has the power to suspend your driving privileges for up to 3 years!
As you probably know, DUI is considered a serious driving offence. If found guilty of DUI, you will need an FR44 Form. SR22 and FR44 will, of course, impact what you will have to pay for your car insurance.
What is Florida No Fault Insurance?
No-Fault simply means that each driver must have insurance which covers them in the case of an accident 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.
Many people in Boca Raton, Florida however, are under the impression that their policy will cover all costs.This is unfortunately simply not true. Your auto insurance policy only covers (up to your insurance limits ) only the medical expenses. The at fault driver’s insurance should cover you if your property and car have been damaged.
Florida No fault auto insurance law is intended to reduce lawsuits between drivers. You can only sue the ‘at fault’ party if you are seriously injured or disfigured.
Should I consider any other type of cover for my Boca Raton auto insurance policy?
Experts say that you should never go with the legal minimum cover. The reason is that such a low coverage policy will not fully cover you in the event of an accident. To be properly insured always go with higher limits and also add additional cover to your policy. This could include:
- Adding collision and comprehensive coverage.
- Uninsured/Underinsured Motorist insurance coverage.
- Increasing your deductible to help offset some of the additional costs.
Low cost car insurance in Boca Raton, FL
Many people don’t realize how easy it is to find affordable car insurance in Boca Raton, FL. All you need to do is shop around and compare quotes from several insurers. And never ever simply accept a renewal quote from your current insurer stright away. Auto insurance companies in Boca Raton, FL are fighting for new business and that is a good news for you!
Always check what discounts are available to you as a new customer and what the insurance company can do to win your business.
Under many circumstances, even young drivers car insurance in Boca Raton may be cheaper than you think Did you know that some insurance companies will offer special rates for consitently good grades at school? As a parent that’s what you may call this a win win situation – your insurer will financially reward your child for good grades!
Seniors drivers can also get discounts and enjoy affordable car insurance in Boca Raton too. That’s because insurance companies know that seniors don’t drive fast cars recklessly and do less miles per year.
What are you waiting for, compare Boca Raton car insurance quotes NOW and you could save up to 35%!
Tags: Boca Raton Auto Insurance Quotes, Boca Raton FL Auto Insurance, Boca Raton Insurance Requirements
