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New Port Richey, FL auto insurance requirements
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. Most people who come to live in New Port Richey 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 have to make an insurance claim in the future.
Florida State law requires you to have a minimum auto insurance coverage of:
- $10,000 of Personal Injury Protection (PIP)
- Property Damage Liability (PDL) – $10,000
Personal Injury Protection (PIP) in New Port Richey,Florida
This part of your auto 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. Personal Injury Protection also pays a $5,000 death benefit.
Property Damage Liability (PDL) in New Port Richey,Florida
This element of your auto insurance policy pays for damage you or a family member cause to others while driving. Other peoples property could include fences, bulidings and other road vehicles.
Factors that can affect Car insurance requirements in New Port Richey, FL
Only higher risk drivers are required to carry Bodily Injury Liability (BIL) as well. Drivers who are required to carry SR22 insurance, have a poor driving history or have been at fault in an accident will fall in the high risk insurance category.
It is a criminal act to drive uninsured in New Port Richey, 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 DMV could suspend your license for up to 3 years!
Another serious driving offence is DUI. You will require an FR44 Formif you are convicted of DUI. Traffic violations, a poor driving record and SR22/FR44 convictions will inevitably mean higher car insurance premiums.
Florida No Fault insurance explained
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. In this way a driver cannot be sued for damages even if they were at fault.
Some people in New Port Richey, 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 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.
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 New Port Richey – 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. To be properly insured always go with higher limits and also add additional cover to your policy. 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 New Port Richey, FL
Many people don’t realize how easy it is to find cheap car insurance in New Port Richey, FL. It really is as simple as shopping around and comparing quotes from reputable insurers. Accepting your insurance quote is exactly what your insurance company wants you to do, so don’t do it. You are in control because the insurance companies in New Port Richey, FL are doing all they can to attract new customers!
In most cases, insurers offer discount rates to each new customers.
Even if you need young drivers car insurance in New Port Richey 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 cheap car insurance in New Port Richey too. The lower annual mileage and the fact senior drivers don’t driver expensive, fast cars are just some of the reasons.
What ever your auto insurance needs, compare New Port Richey car insurance quotes NOW and you could save up to $600!
Tags: New Port Richey Car Insurance Quotes, New Port Richey Florida Car Insurance, New Port Richey Insurance Requirements
