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Zephyrhills, Florida auto insurance requirements
Florida is one of the states using No Fault insurance law. If you are moving to Zephyrhills 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 need to make a claim in the future.
Here are the minimum auto insurance requirements :
- $10,000 of Personal Injury Protection
- PDL – $10,000
Personal Injury Protection (PIP) – This part of your insurance, covers you in an accident regardless of who is at fault. Costs of lost wages, medical expenses and resulting childcare are under Personal Injury Protection. In the unfortunate event of death, PIP will pay $5,000.
Property Damage Liability (PDL) – If you or a member of your family causes property damage to others, PDL will pay for it. ‘Property’ may include fences, buildings, cars or telephone poles.
Only high risk drivers are required to carry Bodily Injury Liability (BIL) as well. More precisely, those that have caused accidents, need SR22 or have too many traffic violations.
Your insurance policy must be issued by a company licensed to do business in Florida and can not be from another state.
It is illegal to drive uninsured in Zephyrhills, 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 can suspend your driving privileges for up to three years.
Driving under the influence is another very serious and punishable offence. driving under the influence conviction will result in you having to fill a FR44 Form. SR22 and FR44 will, of course, mean you will have to pay much more for you car insurance.
As a customer you have the right to:
- 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
Some people spend a portion of their year in Zephyrhills, FL and the remainder of it elsewhere. If you have a car in Florida for more than 90 days throughout the year, you must purchase at least the minimum PIP and property damage liability coverage.
Tell me more about Florida No Fault
No Fault insurance’s true meaning is that each driver is covered by his own insurance in the case of an accident. A driver can not be sued for damages even if he was at fault.
But of course no state in America applies the No Fault law in such a strict form. Florida is no exception.
Some men and women in Zephyrhills, Florida, are under the impression that their policy will cover all costs.It is important to know that is not the case. 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.
The ability to sue other drivers for damages is regulated and under Florida No Fault Insurance law all drivers must carry insurance for their own protection.
While driving in Zephyrhills – What other cover should I consider?
Experts say that you should never go with the bare minimum. In a serious accident, such policy will hardly cover your expenses. Higher limits and additional cover will guarantee that you are properly insured.
- Adding collision and comprehensive coverage.
- Uninsured/Underinsured Motorist insurance coverage.
- Adjusting your deductible to help offset some of the additional costs.
Low cost car insurance in Zephyrhills, FL
Many people don’t realize how easy it is to find affordable car insurance in Zephyrhills, %%. The only thing you really need to do is to compare quotes. Make sure you don’t accept your renewal quote because that’s exactly what your company wants you to do. Auto insurance companies in Florida are fighting for new business and that is a good news for you!
They offer discounts and special rates which are only applicable to new customers.
Under some circumstances, even young drivers insurance in Zephyrhills may be cheaper than you think because of available discounts. Are you aware that good grades can actually mean cheaper car insurance? Financial award for good grades can only be a good thing.
If you are a senior drivers, you can also find affordable auto insurance. The lower yearly mileage and the fact senior drivers don’t driver expensive cars are just some of the reasons.
What are you waiting for, compare Zephyrhills auto insurance quotes now and you could save up to $600!
