A Look At Minimum Florida Auto Insurance Coverage

Before you go out to buy Florida auto insurance, be sure to understand what the minimum coverage is for the state. Florida requires buying a minimum of ten thousand dollars worth of Personal Injury Protection, and the same amount of Property Damage Liability and in addition it is necessary to have a valid Florida tag even if your vehicle belongs to some other state and even if it is not in working condition.

Florida does not make any exceptions and so, if you are involved in a car accident or you have a record of previous convictions you may then, according to the laws of the state, need to purchase BIL (Bodily Injury Liability) coverage as well.

Anyone driving a vehicle in Florida in a vehicle that is not insured will risk having their driving license suspended and the vehicle tag as well as registration can also be suspended for a maximum of three years or until you can prove that your vehicle is insured.

For those who are planning on buying California car insurance, a different set of rules will apply as compared to purchasing auto insurance in the state of Florida. California has its Compulsory Financial Responsibility Law that states that each driver as well as vehicle owner must be financially responsible for what they do on the roads in California.

The statutory minimum coverage in the state of California is fifteen thousand dollars for causing death/injury to any person in a single accident. The minimum coverage is thirty thousand dollars for all persons involved in a single accident. This coverage is known as Bodily Injury coverage.

For property damage, the state requires you to purchase five thousand dollars of coverage for a single accident. To prove that you are financially responsible, you have four different options available.

You need to have bought coverage for your vehicle or you must have deposited 35000 dollars cash with the Department of Motor Vehicles. You should also be able to show a certificate proving that you are self insured, especially if you own a fleet of more than 25 vehicles. Or, you will need to show a surety bond worth 35000 dollars which has been obtained from an insurer that is licensed to conduct business in California.