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What are the auto insurance requirements in Davie, FL?
It’s important to note that your policy has to be issued by a company licensed to do business in Florida and can not be from another State.
Florida is one of the States that applies the No Fault insurance law. If you are moving to Davie from another State, you may be unfamiliar with No Fault insurance. Knowing and understanding Florida No-Fault insurance law will help you to find the right coverage for you and will also help you if you have to make a claim in the future.
Florida State law requires you to have a minimum auto insurance coverage of:
- $10,000 of Personal Injury Protection (PIP)
- $10,000 of Property Damage Liability
Personal Injury Protection (PIP) in Davie,Florida
This component of your auto insurance covers you in an accident regardless of who is at fault. Costs incurred through lost wages, medical expenses and other damages are all covered under your Personal Injury Protection policy. In the unfortunate event of death, Personal Injury Protection insurance will payout a $5,000 lump sum..
Property Damage Liability (PDL) in Davie,Florida
This covers damages to other people’s property caused by you or a member of your family. Property may include fences, buildings, other road vehicles or roadside items such as road signs.
Factors that can affect Car insurance requirements in Davie, FL
Bodily Injury Liability (BIL) is not required for all drivers, only for higher risk ones. 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 without auto insurance in Davie, FL, is illegal. When you get caught you may face serious legal consequences. You are likely to be forced to carry SR22 insurance and pay any fines issued against you. The DMV has the right to suspend your driving privileges for up to three years!
As you probably know, DUI is considered a serious driving offence. A DUI conviction will result in you having to file a FR44 Form. Traffic violations, a poor driving record and SR22/FR44 convictions will inevitably mean higher car insurance premiums.
What is Florida No Fault Insurance?
No-Fault insurance simply means that each driver is covered by his own insurance in the case of an accident but have restricted rights to legally seek recovery for losses caused by the accident. In this way a driver cannot be sued for damages even if they were at fault.
Some people in Davie, Florida however, are under the impression that their policy will cover all costs.This is unfortunately simply not true. Your insurance covers only the medical bills up to your pre-defined limit – the legal minimum in Flordia being ten thousnad dollars. 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.
Should I consider any other type of cover for my Davie auto insurance policy?
Getting the bare legal minimum cover is not the best idea, according to experts. The reason is that such a low coverage policy will not fully cover you in the event of an accident. 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.
Low cost car insurance in Davie, FL
Finding low cost car insurance in Davie, FL, is easier than you think. It really is as simple as shopping around and comparing quotes from reputable insurers. Make sure you don’t accept your renewal quote because that’s exactly what your company expects you to do. Auto insurance companies in Davie, FL are fighting for new business and that is a good news for you!
They offer discounts and special rates which are only available to new customers.
Discounts are even available for young drivers in Davie. How about getting cheaper quotes because of consitently good grades? As a parent that’s what you may call this a win win situation – your insurer will financially reward your son or daughter for good grades!
If you are a senior driver, you can also find low cost car insurance in Davie. The lower annual mileage and the fact senior drivers don’t driver expensive, fast cars are just some of the reasons.
What are you waiting for, compare Davie car insurance quotes NOW and you could save up to $600!
Tags: Davie Car Insurance Quotes, Davie Florida Car Insurance, Davie Insurance Requirements
