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Auto insurance requirements in Naples, Florida
The first requirement is that you policy is issued in Florida. If your insurance policy is from another state, it will not be valid.
Florida is one of the States that applies the No Fault insurance law. A lot of people who come to live in Naples do not understand Florida 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.
The minimum auto insurance requirements in Florida are:
- Personal Injury Protection (PIP) – $10,000
- Property Damage Liability (PDL) – $10,000
Personal Injury Protection (PIP) in Naples,Florida
Regardless of who is at fault in an accident, you are covered by Personal Injury Protection insurance. Costs incurred through lost wages, medical expenses and other damages are all covered under your Personal Injury Protection policy. Personal Injury Protection also pays a $5,000 death benefit.
Property Damage Liability (PDL) in Naples,Florida
This part of your auto 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 Naples, Florida
In the State of Florida Bodily Injury Liability (BIL) is not required for everyone, only drivers in the higher risk insurance groups. Higher risk dirvers include those who have previously caused an accident, need SR22 insurance or have poor driving history.
Driving without auto insurance in Naples, Florida, is illegal. You will face charges when you get caught. 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 can suspend your license 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. Your insurance rates will increase if you are required to file an SR22 or FR44 form.
Tell me more about Florida No Fault
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. This means, even if you are at fault, you can not be sued for damages.
Many men and women in Naples, Florida however, are misled into thinking that all cost will be covered by their policy.It is important to know that is not the case. Your auto insurance policy only covers (up to your insurance limits ) only the medical expenses. 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.
As a driver in Naples – What other cover should I consider?
Insurance specialists point out that going for the legal minimum coverage required is not a wise idea. In a serious accident a minimum coverage policy will hardly cover your expenses. 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.
Affordable auto insurance in Naples, Florida
Many people don’t realize how easy it is to find affordable auto insurance in Naples, Florida. 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 Naples, Florida 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.
Under many circumstances, even young drivers car insurance in Naples, Florida may be cheaper than you think Did you know that some companies will offer special rates for consitently good grades at school? 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 affordable auto insurance in Naples, Florida too. The lower annual mileage and the fact senior drivers don’t driver expensive, fast cars are just some of the reasons.
Stop wasting your hard earned dollars, compare Naples car insurance quotes NOW and you could save up to $600!
Tags: Naples Car Insurance Quotes, Naples FL Car Insurance, Naples Insurance Requirements
