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Auto insurance requirements in St. Augustine, FL
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.
The No Fault insurance law is used in only a few States and Florida is one of them. Many people who move to St. Augustine do not understand Florida No Fault insurance. Understanding and knowing Florida No-Fault insurance law will allow you to choose the right coverage for you and will also help you if you need to make a claim in the future.
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 St. Augustine,Florida
Regardless of who is at fault in an accident, you are covered by Personal Injury Protection insurance. Personal Injury Protection covers you for costs such as medical expenses, lost wages and other damages . In the unfortunate event of death, Personal Injury Protection insurance will payout a $5,000 lump sum..
Property Damage Liability (PDL) in St. Augustine,Florida
This component of your car 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 Auto insurance requirements in St. Augustine, FL
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 St. Augustine, FL, is illegal. 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 has the right to suspend your driving privileges for up to three years!
Another serious driving offence is DUI. 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.
What is Florida No Fault Insurance?
In a nutshell, 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. This means, even if you are at fault, you can not be sued for damages.
Many people in St. Augustine, Florida however, are under the impression that their policy will cover all costs.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.
The ability to sue other drivers for damages is closely regulated and under Florida No Fault Insurance law, all drivers must carry insurance for their own protection.
Other policies you might consider for your St. Augustine car insurance
Getting the bare legal minimum cover is not the best idea, according to experts. 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.
Affordable auto insurance in St. Augustine, FL
Finding low cost auto insurance in St. Augustine, 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 St. Augustine, 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.
Even if you need young drivers car insurance in St. Augustine you are still likely to get a discount under many circumstances 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 low cost auto insurance in St. Augustine. Senior drivers don’t usually driver fast, flash cars and don’t have a high mileage per year.
What are you waiting for, compare St. Augustine car insurance quotes NOW and you could save up to 35%!
Tags: St. Augustine Auto Insurance Quotes, St. Augustine FL Auto Insurance, St. Augustine Insurance Requirements
