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Auto insurance requirements in Port St. John, FL
It’s important to note that your policy has to be issued by a company licensed to do business in Florida and can not be from another State.
Florida is a No-Fault State for car insurance. Many people who come to live in Port St. John have no idea what No Fault insurance is. If you want to find the right policy for you and your family, you have to understand the law.
The minimum car insurance requirements in Florida are:
- Personal Injury Protection (PIP) – $10,000
- $10,000 of Property Damage Liability (PDL)
Personal Injury Protection (PIP) in Port St. John,Florida
In the event of an accident, your PIP policy would payout without regard to fault. Personal Injury Protection covers some of the costs of medical expenses and lost wages caused by an accident. In the unfortunate event of death, PIP insurance will payout a $5,000 lump sum..
Property Damage Liability (PDL) in Port St. John,Florida
If you or a member of your family damages another persons property with your vehicle Property Damage Liability insurance will cover this damage. Other peoples property could include fences, bulidings and other road vehicles.
Factors that can affect Auto insurance requirements in Port St. John, FL
High risk drivers may also be required to carry Bodily Injury Liability (BIL) insurance. Drivers who are required to carry SR22 insurance, have a bad driving record or have been at fault in an accident will fall in the high risk insurance category.
It is against the law to drive uninsured in Port St. John, 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 three years!
Driving under the influence is another very serious driving offence. You will require an FR44 Formif you are convicted of DUI. Your insurance rates will increase if you are required to file an SR22 or FR44 form.
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 men and women in Port St. John, 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 $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 Port St. John car insurance
Getting the bare legal minimum cover is not a great idea, according to experts. The reason is that such a low coverage policy will not fully cover you in the event of an accident. 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.
Cheap auto insurance in Port St. John, FL
Finding cheap auto insurance in Port St. John, FL, is easier than you think. It really is as simple as shopping around and comparing quotes from reputable insurers. And never ever simply accept a renewal quote from your current insurer stright away. You are in control because the insurance companies in Port St. John, FL are doing all they can to attract new customers!
Always check what discounts are available to you as a new customer and what the insurance company can do to win your business.
Discounts are even available for young drivers in Port St. John. 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 auto insurance in Port St. John, FL 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 car insurance needs, compare Port St. John car insurance quotes NOW and you could save up to 35%!
Tags: Port St. John Auto Insurance Quotes, Port St. John FL Auto Insurance, Port St. John Insurance Requirements
