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FAQs
What car insurance coverage is required by Florida law?
Florida requires drivers to have a minimum of $10,000 in Personal Injury Protection (PIP) coverage and $10,000 in Property Damage Liability (PDL). This coverage pays for medical bills and certain other expenses after an accident, regardless of who caused it. Keep in mind that these minimums may not be enough to fully protect you, so many drivers choose additional coverage.
Is Florida a no-fault state, and what does that mean for my insurance?
Yes, Florida is a no-fault state, which means each driver’s own insurance covers their medical expenses and certain economic losses after an accident, up to their PIP limit. Fault can still impact liability for property damage or any injuries exceeding PIP limits, so it’s important to have adequate insurance and consider uninsured/underinsured motorist coverage.
How can I reduce my car insurance premiums in Florida?
Some ways to lower premiums include maintaining a clean driving record, asking about multi-policy or multi-car discounts, completing approved defensive driving courses, and installing safety features or anti-theft devices. Shopping around and comparing quotes from different agencies can also help you find a competitive rate.
What if I’m in an accident with an uninsured driver in Florida?
If the other party has no insurance or insufficient coverage, your PIP and optional uninsured/underinsured motorist coverage (UM/UIM) can help cover your medical costs and potentially other losses. It’s highly recommended to add UM/UIM coverage because Florida has a relatively high rate of uninsured drivers, and this coverage can protect you financially.
Do I need coverage beyond Florida’s minimum requirements?
While you’re only legally required to carry PIP and PDL, additional coverage can offer valuable protection. Options like Bodily Injury Liability, Comprehensive, Collision, and UM/UIM coverage can help with severe accidents, legal fees, damage from non-collision incidents (like theft or weather), and costs resulting from drivers with inadequate insurance.
How are car insurance rates determined in Florida?
Insurers consider factors such as your age, driving history, vehicle type, credit-based insurance scores, and even your ZIP code. Florida’s high traffic density, weather events, and the higher likelihood of uninsured drivers can influence rates. Working with a local car insurance agency familiar with Florida’s market conditions can help you find the best coverage for your needs.
