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Car insurance requirements in Westwood Lakes, FL
The first requirement is that you policy is issued in Florida. If your insurance policy is from another state, it will not be valid.
Florida is a No-Fault State for auto insurance. A lot of people who move to Westwood Lakes are not familiar with No Fault insurance. If you want to find the right insurance policy for you and your family, you must understand the law.
Here are the minimum legal auto insurance requirements:
- $10,000 of Personal Injury Protection
- $10,000 of Property Damage Liability
Personal Injury Protection (PIP) in Westwood Lakes,Florida
In the event of an accident, your Personal Injury Protection policy would payout without regard to fault. Personal Injury Protection covers some of the costs of medical expenses and lost wages caused by an accident. In the unfortunate event of death, Personal Injury Protection insurance will payout a $5,000 lump sum..
Property Damage Liability (PDL) in Westwood Lakes,Florida
This part of your auto insurance policy pays for damage you or a family member cause to others while driving. Other peoples property could include fences, bulidings and other road vehicles.
Factors that can affect Car insurance requirements in Westwood Lakes, FL
Only higher risk drivers are required to carry Bodily Injury Liability (BIL) as well. More precisely, those that have caused accidents, need SR22 insurance or have too many traffic violations against them..
It is illegal to drive uninsured in Westwood Lakes, FL. You will face charges when you get caught. 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 3 years!
Driving under the influence is another very serious driving offence. A DUI conviction will result in you having to file a FR44 Form. Traffic violations, a poor driving record and SR22/FR44 convictions will inevitably mean higher car insurance premiums.
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.
Some drivers in Westwood Lakes, 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 auto insurance policy only covers (up to your insurance limits ) only the medical expenses. 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.
Should I consider any other type of cover for my Westwood Lakes auto insurance policy?
Getting the bare legal minimum cover is not the best idea, according to experts. 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.
Affordable auto insurance in Westwood Lakes, FL
Finding cheap auto insurance in Westwood Lakes, 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. You are in control because the insurance companies in Westwood Lakes, FL are doing all they can to attract new customers!
Always check what discounts are available to you as a new customer and what the insurance company can do to win your business.
Discounts are even available for young drivers in Westwood Lakes. How about getting cheaper quotes because of consitently good grades? 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 Westwood Lakes 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 Westwood Lakes car insurance quotes NOW and you could save up to $600!
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