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Auto insurance requirements in Palm Harbor, 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.
Florida is one of the States that applies the No Fault insurance law. Most people who move to Palm Harbor are unfamiliar with No Fault insurance. In order to find the right insurance policy for you, you need to understand the law.
Here are the minimum legal car insurance requirements:
- $10,000 of Personal Injury Protection
- $10,000 of Property Damage Liability
Personal Injury Protection (PIP) in Palm Harbor,Florida
In the event of an accident, your PIP policy would payout without regard to fault. PIP pays for costs such as medical expenses, lost wages and other damages . In the unfortunate event of death, PIP insurance will payout a $5,000 lump sum..
Property Damage Liability (PDL) in Palm Harbor,Florida
This covers damages to other people’s property caused by you or a member of your family. Other peoples property could include fences, bulidings and other road vehicles.
Factors that can affect Auto insurance requirements in Palm Harbor, Florida
In the Sunshine State 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 record.
Driving without car insurance in Palm Harbor, Florida, is against the law. When you get caught you may face serious legal consequences. 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 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. 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 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.
A lot of men and women in Palm Harbor, Florida however, are under the impression that their policy will cover all costs.This is unfortunately simply not true. Your car 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.
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 Palm Harbor – What other cover should I consider?
Experts say that you should never go with the bare minimum cover. The reason is that such a low coverage policy will not fully cover you in the event of an accident. 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.
Cheap auto insurance in Palm Harbor, Florida
Many people don’t realize how easy it is to find affordable auto insurance in Palm Harbor, Florida. All you need to do is shop around and compare quotes from several insurers. And never ever simply accept a renewal quote from your current insurer stright away. The good news for you is that insurers in Palm Harbor, Florida are fighting for each new customer!
In most cases, auto insurance companies offer discount rates to each new customers.
Under many circumstances, even young drivers car insurance in Palm Harbor 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 son or daughter for good grades!
If you are a senior driver, you can also find affordable auto insurance in Palm Harbor. 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 Palm Harbor car insurance quotes NOW and you could save up to $600!
Tags: Palm Harbor Car Insurance Quotes, Palm Harbor Florida Car Insurance, Palm Harbor Insurance Requirements
