Are you hunting for car insurance quotes in Pinellas Park,Florida? Did you know that simply comparing car insurance quotes online you could save you up to 35% on your annual insurance premiums?
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Pinellas Park, Florida auto insurance requirements
It’s important to note that your insurance policy has to 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. Most people who move to Pinellas Park do not understand Florida No Fault insurance. If you want to find the right insurance policy for you and your family, you have to understand the law.
The minimum auto insurance requirements in Florida are:
- $10,000 of Personal Injury Protection (PIP)
- Property Damage Liability – $10,000
Personal Injury Protection (PIP) in Pinellas Park,Florida
This extension of your auto insurance covers you in the event of an accident regardless of who is at fault. 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 Pinellas Park,Florida
This component 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 Car insurance requirements in Pinellas Park, Florida
Only higher risk drivers are required to carry Bodily Injury Liability (BIL) as well. Higher risk dirvers include those who have previously caused an accident, need SR22 insurance or have poor driving history.
It is against the law to drive without auto insurance in Pinellas Park, FL. 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 power to suspend your license for up to three years!
Driving under the influence is another very serious driving offence. You will require an FR44 Formif you are convicted of DUI. SR22 and FR44 will, of course, mean you will have to pay more for your 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. This means, even if you are at fault, you can not be sued for damages.
Some men and women in Pinellas Park, Florida however, are under the impression that their policy will cover all costs.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 ten thousnad dollars. The damages to your car or property will be covered by the other drivers’ insurance if he was at fault.
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.
Should I consider any other type of cover for my Pinellas Park auto insurance policy?
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. 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 Pinellas Park, FL
Finding low cost car insurance in Pinellas Park, FL, is easier than you think. 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. The good news for you is that insurers in Pinellas 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 Pinellas Park may be cheaper than you think 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 low cost car insurance in Pinellas Park. That’s because insurance companies know that seniors don’t drive fast cars recklessly and do less miles per year.
What ever your auto insurance needs, compare Pinellas Park car insurance quotes NOW and you could save up to 35%!
Tags: Pinellas Park Auto Insurance Quotes, Pinellas Park Florida Auto Insurance, Pinellas Park Insurance Requirements
