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What are the car insurance requirements in Fountainbleau, FL?
First of all you must know that an insurance policy from another State will not be accepted in Florida, it must issued by an insurance company licensed to work in Florida.
Florida is one of the States that applies the No Fault insurance law. If you are moving to Fountainbleau from another State, you may be unfamiliar with No Fault insurance. Understanding and knowing Florida No-Fault insurance law will enable you to select the right coverage for you and will also help you if you need to make an insurance claim in the future.
Florida State law requires you to carry a minimum car insurance coverage of:
- Personal Injury Protection (PIP) – $10,000
- Property Damage Liability – $10,000
Personal Injury Protection (PIP) in Fountainbleau,Florida
This part of your car insurance covers you in the event of an accident regardless of who is at fault. Personal Injury Protection covers some of the costs of medical expenses and lost wages caused by an accident. In the unfortunate event of death, Personal Injury Protection insurance will payout a $5,000 lump sum..
Property Damage Liability (PDL) in Fountainbleau,Florida
This covers damages to other people’s property caused by you or a member of your family. Other peoples property could include fences, bulidings and other road vehicles.
Factors that can affect Car insurance requirements in Fountainbleau, FL
Only higher risk drivers are required to carry Bodily Injury Liability (BIL) as well. More precisely, those that have caused accidents, need SR22 insurance or have too many traffic violations against them..
It is illegal to drive without car insurance in Fountainbleau, FL. Sooner or later you will be caught and may face criminal charges. For the next 3 years you will have to file an SR22 Form to demonstrate you are a responsible driver. The Department of Motor Vehicles has the power to suspend your license 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. SR22 and FR44 will, of course, mean you will have to pay more for your car insurance premiums.
Tell me more about Florida No Fault
In a nutshell, 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. In this way a driver cannot be sued for damages even if they were at fault.
Some drivers in Fountainbleau, Florida however, are under the impression that their policy will cover all costs.This is unfortunately simply not true. Your car 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.
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 Fountainbleau car insurance policy?
Getting the bare legal minimum cover is not the best idea, according to experts. It will be hardly enough to cover you in a case of a more serious accident. Adding additional cover and choosing higher limits will probably save you money in the long run. 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.
Affordable car insurance in Fountainbleau, FL
Believe it or not, it isn’t that difficult to find cheap car insurance in Fountainbleau, FL. The only thing you really need to do is to compare several quotes. Make sure you don’t accept your renewal quote because that’s exactly what your company expects you to do. Auto insurance companies in Fountainbleau, 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.
Discounts are even available for young drivers in Fountainbleau. Are you aware that good grades can actually mean cheaper car insurance? 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 car insurance in Fountainbleau. That’s because insurance companies know that seniors don’t drive fast cars recklessly and do less miles per year.
Stop wasting your hard earned dollars, compare Fountainbleau car insurance quotes NOW and you could save up to $600!
Tags: Fountainbleau Auto Insurance Quotes, Fountainbleau FL Auto Insurance, Fountainbleau Insurance Requirements
