Florida auto insurance is mandated by the state. This area of the United States is a popular vacation destination and it is a popular place to relocate. Since there is so many people entering this state, car insurance is of utmost importance. More traffic means more risk of higher numbers of car accidents. Insurance policies are designed to help people involved in altercations.
Any vehicles registered in the state of Florida must have an insured driver. The minimum coverage is 10,000 dollars for personal injury protection and 10,000 dollars for property damage liability. This is just the bare bones insurance polices required by the state of Florida. Consumers can choose to purchase more coverage.
Bodily injury liability is not a requirement in this state. Drivers can opt to have this coverage anyway which is always a good idea. You can obtain a vehicle registration without having bodily injury liability but you can expect a significant penalty if you are found liable for an accident in which the other party is injured.
Florida Auto Insurance Cancellations
Remember that it is crucial to keep your car insurance policy up-to-date in the state of Florida. If the policy lapses and you fail to get personal injury protection and property damage liability through another agency, the state's Department of Motor Vehicles will suspend your driver's license and revoke your vehicle's registration and vehicle tag as well.
You can get your license, tag and registration reinstated but it requires you to show proof of current insurance and the department will also charge a reinstatement fee. This can be a time-consuming and costly process so it is very important to keep your car insurance coverage from being canceled in the first place.
Finding Car Insurance in Florida
The process of finding the right policy to suit your needs used to be very cumbersome. However, the Internet offers an innovative way to research various car insurance companies and you can even get quotes and make comparisons in the meantime. Professionals suggest that you get between three and five quotes to compare while shopping for a new Florida car insurance.