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What are the car insurance requirements in Gainesville, Florida?
First of all you must know that an insurance policy from another State will not be accepted in Florida, it must issued by a company licensed to work in Florida.
The No Fault insurance law is used in only a few States and Florida is one of them. If you are moving to Gainesville from another State, you may be unfamiliar with No Fault insurance. If you want to find the right policy for you, you have to understand the law.
The minimum car insurance requirements in Florida are:
- Personal Injury Protection (PIP) – $10,000
- $10,000 of Property Damage Liability (PDL)
Personal Injury Protection (PIP) in Gainesville,Florida
In the event of an accident, your PIP policy would payout without regard to fault. PIP pays for costs such as medical expenses, lost wages and other damages . PIP also pays a $5,000 death benefit.
Property Damage Liability (PDL) in Gainesville,Florida
This element of your car insurance policy pays for damage you or a family member cause to others while driving. Property may include fences, buildings, other road vehicles or roadside items such as road signs.
Factors that can affect Car insurance requirements in Gainesville, Florida
High risk drivers may also be required to carry Bodily Injury Liability (BIL) insurance. 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 Gainesville, Florida. Sooner or later you will be caught and may face criminal charges. On top of any fines you may have to pay, you will be also required to have SR22 insurance. The DMV could suspend your driving privileges for up to 3 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, inevitably, impact what you will have to pay for your auto insurance.
What is Florida No Fault Insurance?
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 men and women in Gainesville, 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. The at fault driver’s insurance should cover you if your property and car have been damaged.
Florida No fault car insurance law is intended to reduce lawsuits between drivers. You can only sue the ‘at fault’ party if you are seriously injured or disfigured.
As a driver in Gainesville – What other cover should I consider?
Insurance professionals point out that going for the bare minimum coverage required is not a wise idea. It will be hardly enough to cover you in a case of a more serious 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 auto insurance in Gainesville, Florida
Believe it or not, it isn’t that difficult to find cheap auto insurance in Gainesville, Florida. The only thing you really have to do is to compare several quotes. Accepting your insurance quote is exactly what your insurance company wants you to do, so don’t do it. Auto insurance companies in Gainesville, Florida 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 Gainesville. 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 cheap auto insurance in Gainesville. 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 Gainesville car insurance quotes NOW and you could save up to 35%!
Tags: Gainesville Car Insurance Quotes, Gainesville Florida Car Insurance, Gainesville Insurance Requirements
