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What are the auto insurance requirements in Spring Hill, Florida?
It’s important to note that your 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. A lot of people who move to Spring Hill do not understand Florida No Fault insurance. Knowing and understanding Florida No Fault insurance law will enable you to select the right coverage for you and will also help you in the future, if you have to make a claim.
Florida State law requires you to have a minimum auto insurance coverage of:
- Personal Injury Protection (PIP) – $10,000
- Property Damage Liability (PDL) – $10,000
Personal Injury Protection (PIP) in Spring Hill,Florida
Regardless of who is at fault in an accident, you are covered by PIP insurance. Personal Injury Protection covers some of the costs of medical expenses and lost wages caused by an accident. PIP also pays a $5,000 death benefit.
Property Damage Liability (PDL) in Spring Hill,Florida
If you or a member of your family damages another persons property with your vehicle PDL insurance will cover this damage. Other peoples property could include fences, bulidings and other road vehicles.
Factors that can affect Auto insurance requirements in Spring Hill, Florida
In the Sunshine State Bodily Injury Liability (BIL) is not required for everyone, just 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.
It is against the law to drive uninsured in Spring Hill, Florida. When you get caught you may face serious legal 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. If found guilty of DUI, you will need an FR44 Form. Your insurance rates will increase if you are required to file an SR22 or FR44 form.
Florida No Fault insurance explained
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 drivers in Spring Hill, 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 insurance covers only the medical bills up to your pre-defined limit – the legal minimum in Flordia being ten thousnad dollars. The at fault driver’s insurance should cover you if your property and car have been damaged.
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.
Other policies you might consider for your Spring Hill auto insurance
Insurance professionals point out that going for the legal minimum coverage required is not a wise idea. In a serious accident a minimum coverage policy will hardly cover your expenses. 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 auto insurance in Spring Hill, Florida
Finding low cost auto insurance in Spring Hill, Florida, is easier than you think. It really is as simple as shopping around and comparing quotes from reputable insurers. Make sure you don’t accept your renewal quote because that’s exactly what your company expects you to do. The good news for you is that insurers in Spring Hill, Florida are fighting for each new customer!
They offer discounts and special rates which are only available to new customers.
Discounts are even available for young drivers in Spring Hill. Did you know that some insurance companies will offer discounts 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 Spring Hill 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 Spring Hill car insurance quotes NOW and you could save up to $600!
Tags: Spring Hill Auto Insurance Quotes, Spring Hill Florida Auto Insurance, Spring Hill Insurance Requirements
