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What are the auto insurance requirements in Winter Park, FL?
The No Fault insurance law is used in only a few states and Florida is one of them. If you are moving to Winter Park from another state, you may be unfamiliar with No Fault insurance. If you want to find the right policy for you, you must understand the law.
The law requires you to have a minimum cover of:
- PIP – $10,000
- Property Damage Liability – $10,000
Personal Injury Protection (PIP) – Regardless of who is at fault in an accident, you are covered. Costs of lost wages, medical expenses and resulting childcare are under Personal Injury Protection. PIP also pays a $5,000 death benefit.
Property Damage Liability (PDL) – This covers damages to other people’s property, caused by you or a member of your family. Fances, buliding and cars are regarded as “Properties”.
Bodily Injury Liability (BIL) is not required for all drivers, but only for high risk ones. Those include drivers who have caused accident, need SR22 or have bad driving record
A policy from another state will not be accepted in Florida, it must issued by a company licensed to work in Florida.
It is against the low to drive uninsured in Winter Park, FL. When you get caught you will face charges. For the next 3 years you will have to fill SR22 Form. Department of Motor Vehicles has the power to suspend your license for up to 3 years.
Driving under the influence is another very serious and punishable offence. If found guilty of driving under the influence, you will need a FR44 Form. Traffic violations, bad driving record and SR22/FR44 requirements will mean higher car insurance premiums.
Don’t forget that as a customer you have rights too.
- Choose your own insurance company and agent
- Purchase your policy without the influence of discrimination
- Obtain a fair coverage quote
- Receive copies of all forms and applications, including your policy, within 60 days
- Have your claim investigated in a proper and timely manner
- Acquire payment for necessary repairs, or for the value of your car, within 20 days of signing a settlement agreement
- File a complaint with your insurance company
A lot people spend a few weeks of their year in Winter Park, FL and the remainder of it elsewhere. Having a car in Florida for more than 90 days a year, will require you to get the minimum personal injury protection and property damage liability coverage.
Tell me more about Florida No Fault
Each driver must have insurance which covers him in the case of an accident. The at fault driver can not be sued for damages.
Of course, not a single state with No Fault law, applies its principals that strictly. The same is valid for the state of Florida.
Many people in Winter Park, Florida, are under the impression that their policy will cover all costs.This is simply not true. Your policy covers (up to your limits of course) 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 meet certain thresholds like major bodily function, disfigurement or significant scarring.
Other policies regarding Winter Park auto insurance
Getting the bare minimum is not a good idea, according to experts. It will be hardly enough to cover you in a case of a more serious accident. To be properly insured always go with higher limits and also add additional cover to your policy.
- Adding collision and comprehensive coverage.
- Uninsured/Underinsured Motorist insurance coverage.
- Adjusting your deductible to help offset some of the additional costs.
Affordable car insurance in Winter Park, FL
Many people don’t realize how easy it is to find low cost car insurance in Winter Park, Florida. It is as simple as shopping around and comparing quotes. 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 Florida are fighting for each new customer!
In most case special rates and discounts are offered to each new customers.
Even if you need young drivers insurance in Winter Park you are still likely to get a discount under some circumstances. How about getting cheaper quotes because of good grades? 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!
If you are a senior drivers, you can also find low cost auto insurance. That’s because insurance companies know that seniors don’t drive fast cars recklessly and have less mileage per year.
What are you waiting for, compare Winter Park auto insurance quotes now and you could save up to $600!
