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Car insurance requirements in Fort Lauderdale, FL
It’s important to note that your insurance policy has to be issued by a company licensed to do business in Florida and can not be from another State.
The No Fault insurance law is used in only a few States and Florida is one of them. If you are moving to Fort Lauderdale 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 in the future, if you need to make a claim.
The minimum car insurance requirements in Florida are:
- $10,000 of Personal Injury Protection
- $10,000 of Property Damage Liability (PDL)
Personal Injury Protection (PIP) in Fort Lauderdale,Florida
In the event of an accident, your PIP policy would payout without regard to fault. Personal Injury Protection covers some of the costs of medical expenses and lost wages caused by an accident. PIP also pays a $5,000 death benefit.
Property Damage Liability (PDL) in Fort Lauderdale,Florida
If you or a member of your family damages another persons property with your vehicle PDL insurance will cover this damage. Property may include fences, buildings, other road vehicles or roadside items such as road signs.
Factors that can affect Car insurance requirements in Fort Lauderdale, FL
Bodily Injury Liability (BIL) is not required for all drivers, only for higher risk ones. More precisely, those that have caused accidents, need SR22 insurance or have too many traffic violations against them..
It is illegal to drive uninsured in Fort Lauderdale, FL. 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 could suspend your driving privileges for up to three years!
Another serious driving offence is DUI. A driving under the influence conviction will result in you having to file a FR44 Form. Your insurance rates will increase if you are required to file an SR22 or FR44 form.
Tell me more about Florida No Fault
In essence, 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 Fort Lauderdale, Florida however, are under the impression that their policy will cover all costs.It is important to know that is not the case. Your insurance covers only the medical bills up to your pre-defined limit – the legal minimum in Flordia being ten thousnad dollars. The damages to your car or property will be covered by the other drivers’ insurance if he was at fault.
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.
Other policies you might consider for your Fort Lauderdale car insurance
Getting the bare legal minimum cover is not a great idea, according to experts. It will be hardly enough to cover you in a case of a more serious accident. Higher limits and additional cover will guarantee that you are properly insured. Adding additional cover 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 auto insurance in Fort Lauderdale, FL
Finding cheap auto insurance in Fort Lauderdale, FL, is easier than you think. All you need to do is shop around and compare quotes from several insurers. Make sure you don’t accept your renewal quote because that’s exactly what your company expects you to do. You are in control because the insurance companies in Fort Lauderdale, FL are doing all they can to attract new customers!
They offer discounts and special rates which are only available to new customers.
Even if you need young drivers car insurance in Fort Lauderdale you are still likely to get a discount under many circumstances Did you know that some insurance companies will offer discounts 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!
If you are a senior driver, you can also find cheap auto insurance in Fort Lauderdale. 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 Fort Lauderdale car insurance quotes NOW and you could save up to $600!
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