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Tampa, Florida auto insurance requirements
The No Fault insurance law is used in only a few states and Florida is one of them. If you are moving to Tampa from another state, you may be unfamiliar with No Fault insurance. If you want to find the right insurance for you and your family, you have to understand the law.
The law requires you to carry a minimum cover of:
- PIP – $10,000
- $10,000 of Property Damage Liability
Personal Injury Protection (PIP) – In the event of an accident, you are covered by this part of your insurance. Personal Injury Protection covers some of the costs for medical expenses and lost wages. 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. ‘Property’ may include fences, buildings, cars or telephone poles.
Only high risk drivers are required to carry Bodily Injury Liability (BIL) as well. Drivers who are required to carry SR22, have bad record or have been at fault in an accident, fall in the high-risk category
Your policy has to be issued by a company licensed to do business in Florida and can not be from another state.
Driving without insurance in Tampa, FL, is illegal. You will face charges when you get caught. You will be force to carry SR22 insurance and pay fines as well. Department of Motor Vehicles has the power to suspend your license for up to three years.
Driving under the influence is another very serious and punishable offence. You will require a FR44 Form. Your insurance rates will increase if you are required to have SR22 or FR44.
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
Many people spend a portion of their year in Tampa, FL and the remainder of it elsewhere. If you have a car in Florida for more than 90 days throughout the year, you have to purchase at least the minimum PIP and property damage liability coverage.
Florida No Fault insurance explained
Each driver must have insurance which covers him in the case of an accident. A driver can not be sued for damages even if he was at fault.
Of course, not a single state with No Fault law, applies its principals that strictly. The same is valid for the Sunshine State.
Many men and women in Tampa, 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.
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.
Should I consider any other type of cover for my Tampa auto insurance policy?
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.
Cheap auto insurance in Tampa, FL
Believe it or not, it is not that difficult to find cheap auto insurance in Tampa, Florida. It is as simple as shopping around and comparing quotes. Make sure you don’t accept your renewal quote because that’s exactly what your company wants you to do. You are in control because the insurance companies in Florida are doing all they can to attract new customers!
Always check what discounts are available to you as a new customer and what will the insurance company do to win your business.
Even if you need young drivers insurance in Tampa you are still likely to get a discount under some circumstances. Are you aware that good grades can actually mean cheaper car insurance? Financial award for good grades can only be a good thing.
Seniors drivers are give discounts and enjoy cheap auto insurance too. 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 Tampa auto insurance quotes now and you could save up to $600!
