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Jacksonville, Florida car insurance requirements
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 Jacksonville from another State, you may be unfamiliar with No Fault insurance. Knowing and understanding Florida No-Fault insurance law will help you to select the right coverage for you and will also help you in the future, if you have to make a claim.
Here are the minimum legal car insurance requirements:
- Personal Injury Protection (PIP) – $10,000
- $10,000 of Property Damage Liability
Personal Injury Protection (PIP) in Jacksonville,Florida
In the event of an accident, your Personal Injury Protection policy would payout without regard to fault. Personal Injury Protection pays for costs such as medical expenses, lost wages and other damages . In the unfortunate event of death, Personal Injury Protection insurance will payout a $5,000 lump sum..
Property Damage Liability (PDL) in Jacksonville,Florida
This component 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 Auto insurance requirements in Jacksonville, Florida
In Florida Bodily Injury Liability (BIL) is not required for everyone, just drivers in the higher risk insurance groups. More precisely, those that have caused accidents, need SR22 insurance or have too many traffic violations against them..
It is a criminal act to drive without car insurance in Jacksonville, Florida. You will face charges when you get caught. You are likely to be forced to carry SR22 insurance and pay any fines issued against you. The Department of Motor Vehicles has the right to suspend your driving privileges for up to 3 years!
Driving under the influence is another very serious driving offence. You will require an FR44 Formif you are convicted of DUI. SR22 and FR44 will, inevitably, impact what you will have to pay for your car insurance.
Florida No Fault insurance explained
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. In this way a driver cannot be sued for damages even if they were at fault.
Many men and women in Jacksonville, Florida however, are misled into thinking that all cost will be covered by their policy.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.
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 Jacksonville – What other cover should I consider?
Getting the bare legal minimum cover is not a great idea, according to experts. In a serious accident a minimum coverage policy will hardly cover your expenses. 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.
Low cost car insurance in Jacksonville, Florida
Many people don’t realize how easy it is to find low cost car insurance in Jacksonville, Florida. The only thing you really have 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 Jacksonville, Florida are fighting for new business and that is a good news for you!
In most cases, insurers offer special rates to each new customers.
Even if you need young drivers car insurance in Jacksonville you are still likely to get a discount under many circumstances Are you aware that good grades can actually mean cheaper car insurance? 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!
Seniors drivers can also get discounts and enjoy low cost car insurance in Jacksonville too. Senior drivers don’t usually driver fast, flash cars and don’t have a high mileage per year.
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Tags: Jacksonville Auto Insurance Quotes, Jacksonville Florida Auto Insurance, Jacksonville Insurance Requirements
