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What are the auto insurance requirements in Siesta Key, Florida?
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 one of the States that applies the No Fault insurance law. If you are moving to Siesta Key from another State, you may be unfamiliar with No Fault insurance. In order to find the right insurance for you and your family, you need to understand the law.
Florida State law requires you to carry a minimum auto insurance coverage of:
- Personal Injury Protection – $10,000
- Property Damage Liability (PDL) – $10,000
Personal Injury Protection (PIP) in Siesta Key,Florida
This part of your auto insurance covers you in the event of an accident regardless of who is at fault. PIP covers you for costs such as medical expenses, lost wages and other damages . PIP also pays a $5,000 death benefit.
Property Damage Liability (PDL) in Siesta Key,Florida
This element of your auto insurance policy pays for damage you or a family member cause to others while driving. Other peoples property could include fences, bulidings and other road vehicles.
Factors that can affect Auto insurance requirements in Siesta Key, Florida
High risk drivers may also be required to carry Bodily Injury Liability (BIL) insurance. More precisely, those that have caused accidents, need SR22 insurance or have too many traffic violations against them..
Driving whilst uninsured in Siesta Key, Florida, is illegal. You will face charges when you get caught. For the next 3 years you will have to file an SR22 Form to demonstrate you are a responsible driver. The DMV could suspend your license for up to 3 years!
Driving under the influence is another very serious driving offence. A DUI conviction will result in you having to file a FR44 Form. SR22 and FR44 will, of course, mean you will have to pay more for your auto insurance premiums.
Florida No Fault insurance explained
In essence, No Fault insurance simply means that each driver is covered by his own insurance policy 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 people in Siesta Key, Florida however, are misled into thinking that all cost will be covered by their policy.It is important to know that is not the case. Your auto insurance policy only covers (up to your insurance limits ) only the medical expenses. If your car or property is damaged, the at fault driver’s insurance should cover the expenses.
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 Siesta Key auto insurance policy?
Insurance professionals point out that going for the bare minimum coverage required is not a wise idea. The reason is that such a low coverage policy will not fully cover you in the event of an 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.
Low cost auto insurance in Siesta Key, Florida
Many people don’t realize how easy it is to find low cost auto insurance in Siesta Key, Florida. The only thing you really have to do is to compare several quotes. Make sure you don’t accept your renewal quote because that’s exactly what your company expects you to do. You are in control because the insurance companies in Siesta Key, Florida are doing all they can to attract new customers!
They offer discounts and special rates which are only available to new customers.
Discounts are even available for young drivers in Siesta Key. Did you know that some companies will offer special rates for consitently good grades at school? As a parent this is really a win-win situation, if you encourage you son or daughter to get better grades they’ll be getting a better start in life AND cheaper car insurance!
Seniors drivers can also get discounts and enjoy low cost auto insurance in Siesta Key, Florida too. Senior drivers don’t usually driver fast, flash cars and don’t have a high mileage per year.
Stop wasting your hard earned dollars, compare Siesta Key car insurance quotes NOW and you could save up to $600!
Tags: Siesta Key Auto Insurance Quotes, Siesta Key FL Auto Insurance, Siesta Key Insurance Requirements
