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St. Cloud, Florida car insurance requirements
First of all you must know that an insurance policy from another State will not be accepted in Florida, it has to be issued by a company licensed to work in Florida.
Florida is one of the States that applies the No Fault insurance law. If you are moving to St. Cloud from another State, you may be unfamiliar with No Fault insurance. In order to find the right insurance policy for you, you need to understand the law.
Florida State law requires you to have a minimum car insurance coverage of:
- $10,000 of Personal Injury Protection (PIP)
- $10,000 of Property Damage Liability
Personal Injury Protection (PIP) in St. Cloud,Florida
Regardless of who is at fault in an accident, you are covered by Personal Injury Protection insurance. Personal Injury Protection covers some of the costs of medical expenses and lost wages caused by an accident. Personal Injury Protection also pays a $5,000 death benefit.
Property Damage Liability (PDL) in St. Cloud,Florida
This covers damages to other people’s property caused by you or a member of your family. Property may include fences, buildings, other road vehicles or roadside items such as road signs.
Factors that can affect Car insurance requirements in St. Cloud, Florida
In the Sunshine State Bodily Injury Liability (BIL) is not required for everyone, only drivers in the higher risk insurance groups. Drivers who are required to carry SR22 insurance, have a poor driving history or have been at fault in an accident will fall in the high risk insurance category.
Driving without car insurance in St. Cloud, FL, is a criminal offence. 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 Department of Motor Vehicles can suspend your license for up to three years!
As you probably know, DUI is considered a serious driving offence. You will require an FR44 Formif you are convicted of DUI. Traffic violations, a poor driving record and SR22/FR44 convictions will inevitably mean higher car insurance premiums.
What is Florida No Fault Insurance?
Basically, 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 drivers in St. Cloud, 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. If your car or property is damaged, the at fault driver’s insurance should cover the expenses.
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.
Should I consider any other type of cover for my St. Cloud car insurance policy?
Insurance professionals point out that going for the bare 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.
Low cost auto insurance in St. Cloud, FL
Finding cheap auto insurance in St. Cloud, FL, is easier than you think. It really is as simple as shopping around and comparing quotes from reputable insurers. Accepting your insurance quote is exactly what your insurance company wants you to do, so don’t do it. Auto insurance companies in St. Cloud, FL are fighting for new business and that is a good news for you!
They offer discounts and special rates which are only available to new customers.
Even if you need young drivers car insurance in St. Cloud you are still likely to get a discount under many circumstances Are you aware that good grades can actually mean cheaper car insurance? 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 cheap auto insurance in St. Cloud too. 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. Cloud car insurance quotes NOW and you could save up to 35%!
Tags: St. Cloud Car Insurance Quotes, St. Cloud Florida Car Insurance, St. Cloud Insurance Requirements
