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Car insurance requirements in Orange Park, FL
The first requirement is that you policy is issued in Florida. If your insurance policy is from another state, it will be invalid.
Florida is a No-Fault State for auto insurance. If you are moving to Orange Park from another State, you may be unfamiliar with No Fault insurance. If you want to find the right insurance policy for you and your family, you need to understand the law.
Here are the minimum legal auto insurance requirements:
- Personal Injury Protection – $10,000
- $10,000 of Property Damage Liability
Personal Injury Protection (PIP) in Orange Park,Florida
This extension of your auto insurance covers you in 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. PIP also pays a $5,000 death benefit.
Property Damage Liability (PDL) in Orange Park,Florida
This covers damages to other people’s property caused by you or a member of your family. Property may include fences, buildings, other road vehicles or roadside items such as road signs.
Factors that can affect Car insurance requirements in Orange Park, FL
In the Sunshine State Bodily Injury Liability (BIL) is not required for everyone, just 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.
It is illegal to drive uninsured in Orange Park, FL. 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 DMV has the power to suspend your license for up to three 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.
What is Florida No Fault Insurance?
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 drivers in Orange Park, Florida however, are under the impression that their policy will cover all costs.This is unfortunately simply not true. Your auto 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.
Florida No fault auto 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 Orange Park – What other cover should I consider?
Experts say that you should never go with the bare minimum cover. 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. This could include:
- Adding collision and comprehensive coverage.
- Uninsured/Underinsured Motorist insurance coverage.
- Increasing your deductible to help offset some of the additional costs.
Cheap car insurance in Orange Park, FL
Finding affordable car insurance in Orange Park, FL, is easier than you think. 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. The good news for you is that insurers in Orange Park, FL are fighting for each new customer!
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 Orange Park may be cheaper than you think 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 child for good grades!
Seniors drivers can also get discounts and enjoy affordable car insurance in Orange Park too. 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 Orange Park car insurance quotes NOW and you could save up to $600!
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