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What are the car insurance requirements in Tampa, Florida?
It’s important to note that your insurance policy has to 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. If you are moving to Tampa from another State, you may be unfamiliar with No Fault insurance. Understanding and knowing Florida No Fault insurance law will allow you to find the right coverage for you and will also help you if you have to make a claim in the future.
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 Tampa,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 Tampa,Florida
This covers damages to other people’s property caused by you or a member of your family. Other peoples property could include fences, bulidings and other road vehicles.
Factors that can affect Car insurance requirements in Tampa, Florida
Bodily Injury Liability (BIL) is not required for all drivers, only for higher risk ones. Higher risk dirvers include those who have previously caused an accident, need SR22 insurance or have poor driving history.
It is illegal to drive without car insurance in Tampa, 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 has the power 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. SR22 and FR44 will, inevitably, impact what you will have to pay for your car insurance.
What is Florida No Fault Insurance?
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. This means, even if you are at fault, you can not be sued for damages.
Many people in Tampa, 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 $10,000. The at fault driver’s insurance should cover you if your property and car have been damaged.
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 Tampa car insurance policy?
Insurance specialists point out that going for the legal minimum coverage required is not a wise idea. It will be hardly enough to cover you in a case of a more serious accident. 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 car insurance in Tampa, FL
Many people don’t realize how easy it is to find cheap car insurance in Tampa, FL. 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. Auto insurance companies in Tampa, 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 Tampa you are still likely to get a discount under many circumstances 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 cheap car insurance in Tampa, FL too. The lower annual mileage and the fact senior drivers don’t driver expensive, fast cars are just some of the reasons.
Stop wasting your hard earned dollars, compare Tampa car insurance quotes NOW and you could save up to 35%!
Tags: Tampa Car Insurance Quotes, Tampa FL Car Insurance, Tampa Insurance Requirements
