If you are shopping around for car insurance quotes in Palm Beach, Florida then you’ve come to the right place! You could save up to 35% when you compare car insurance quotes online!
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What are the car insurance requirements in Palm Beach, Florida?
It’s important to note that your insurance policy must 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. Many people who come to live in Palm Beach do not understand Florida No Fault insurance. Understanding and knowing Florida No Fault insurance law will allow you to select the right coverage for you and will also help you in the future, if you need to make a claim.
Florida State law requires you to have a minimum car insurance coverage of:
- $10,000 of Personal Injury Protection
- $10,000 of Property Damage Liability (PDL)
Personal Injury Protection (PIP) in Palm Beach,Florida
This component of your car 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 Palm Beach,Florida
If you or a member of your family damages another persons property with your vehicle PDL insurance will cover this damage. Property may include fences, buildings, other road vehicles or roadside items such as road signs.
Factors that can affect Auto insurance requirements in Palm Beach, Florida
High risk drivers may also be required to have Bodily Injury Liability (BIL) insurance. Higher risk dirvers include those who have previously caused an accident, need SR22 insurance or have poor driving record.
Driving whilst uninsured in Palm Beach, Florida, is against the law. Sooner or later you will be caught and may face criminal charges. For the next 3 years you will have to file an SR22 Form to demonstrate you are a responsible driver. The DMV has the right to suspend your driving privileges for up to three years!
Driving under the influence is another very serious driving offence. A DUI conviction will result in you having to file a FR44 Form. Traffic violations, a poor driving record and SR22/FR44 convictions will inevitably mean higher car insurance premiums.
Tell me more about Florida No Fault
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.
A lot of people in Palm Beach, 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 $10,000. The damages to your car or property will be covered by the other drivers’ insurance if he was at fault.
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.
Other policies you might consider for your Palm Beach car insurance
Experts say that you should never go with the legal minimum cover. It will be hardly enough to cover you in a case of a more serious accident. Higher limits and additional cover will guarantee that you are properly insured. 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.
Affordable car insurance in Palm Beach, Florida
Many people don’t realize how easy it is to find affordable car insurance in Palm Beach, Florida. All you need to do is shop around and compare quotes from several insurers. Accepting your insurance quote is exactly what your insurance company wants you to do, so don’t do it. Auto insurance companies in Palm Beach, 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 Palm Beach 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!
If you are a senior driver, you can also find affordable car insurance in Palm Beach. Senior drivers don’t usually driver fast, flash cars and don’t have a high mileage per year.
What are you waiting for, compare Palm Beach car insurance quotes NOW and you could save up to 35%!
Tags: Palm Beach Car Insurance Quotes, Palm Beach Florida Car Insurance, Palm Beach Insurance Requirements
