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Union Park, Florida auto insurance requirements
First of all you must know that an insurance policy from another State will not be accepted in Florida, it must issued by a company licensed to work in Florida.
The No Fault insurance law is used in only a few States and Florida is one of them. Many people who move to Union Park are unfamiliar with No Fault insurance. Knowing and understanding Florida No Fault insurance law will enable you to find the right coverage for you and will also help you in the future, if you need to make a claim.
The minimum auto insurance requirements in Florida are:
- $10,000 of Personal Injury Protection
- Property Damage Liability – $10,000
Personal Injury Protection (PIP) in Union Park,Florida
Regardless of who is at fault in an accident, you are covered by Personal Injury Protection insurance. Costs incurred through lost wages, medical expenses and other damages are all covered under your Personal Injury Protection policy. Personal Injury Protection also pays a $5,000 death benefit.
Property Damage Liability (PDL) in Union Park,Florida
This component of your auto 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 Car insurance requirements in Union Park, Florida
High risk drivers may also be required to have Bodily Injury Liability (BIL) insurance. 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 without auto insurance in Union Park, Florida. 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 3 years!
As you probably know, DUI is considered a serious driving offence. A driving under the influence conviction will result in you having to file a FR44 Form. SR22 and FR44 will, of course, impact what you will have to pay for your car insurance.
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 Union Park, Florida however, are under the impression that their policy will cover all costs.This is unfortunately simply not true. Your auto insurance policy only covers (up to your insurance limits ) only the medical expenses. The damages to your car or property will be covered by the other drivers’ insurance if he was at fault.
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 Union Park auto 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. 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 car insurance in Union Park, Florida
Many people don’t realize how easy it is to find cheap car insurance in Union Park, Florida. All you need to do is shop around and compare quotes from several insurers. 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 Union Park, Florida are doing all they can to attract new customers!
In most cases, insurers offer special deals and discounts to each new customers.
Even if you need young drivers car insurance in Union Park 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 that’s what you may call this a win win situation – your insurer will financially reward your son or daughter for good grades!
Seniors drivers can also get discounts and enjoy cheap car insurance in Union Park 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 Union Park car insurance quotes NOW and you could save up to $600!
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