Car Insurance Florida Minimum State Requirements

It's important to know car insurance Florida requirements when shopping for Florida auto insurance. Not everyone is the same, which means their Florida car insurance policy should not be either. If you aren't sure what's required in Florida state, or you are moving, educate yourself on Florida minimum state requirement and plan to exceed them.

When buying automobile insurance in Florida, you must include personal liability of $10,000 for one person involved in an accident that is caused by you, a further $20,000 cover to provide the medical costs of all persons injured in a single accident and $10,000 for damage to property, including the other driver's car.

However, you must offset that against the likelihood of you causing an accident involving an expensive private passenger auto. When viewed in these terms, then you might consider $10,000 to be adequate. It's your choice, and yours alone. Nobody can really tell you what you have to do here. In addition to these levels of personal liability, Florida also requires you to purchase $10,000 Personal Injury Protection (PIP) in your coverage helps pay for medical expenses or funeral for you and your passengers. Incidentally, the property liability portion of your Florida auto insurance must also cover damage to your own property.

These are all set levels, and you can restrict yourself to these if that is all you think that you need. However, if your vehicle is valuable then you better also take out collision cover that protects you against repair or replacement costs if you damage your own vehicle in an accident. If somebody else causes the accident then their third party liability may cover it, but if your private auto is worth more than $10,000 then possibly not. You would then have to sue the person that caused the accident for the balance of the cost of your repair or replacement car.

The state of Florida follows a No-Fault insurance system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system.

Collision coverage covers you for all of this irrespective of who causes the accident. Comprehensive coverage is another possible option. That provides you with automobile insurance cover against damage from any cause other than collision. Examples include vandalism, falling trees or roof tiles, storm damage and floods. This is again worth considering if your automobile is worth a fair amount of money, or is very expensive to repair.

You can get uninsured or underinsured motorist coverage to cover bodily injury caused by an uninsured and/or underinsured driver. Florida doesn't require drivers to purchase this coverage, but you might want to consider purchasing this valuable cover. (Be aware that carrying the minimum requirements won't cover your losses in serious accident.)

Many drivers don't carry insurance because they can't afford the cost of coverage. There are many ways to save money in Florida, your first step when looking for an auto insurance company is to get a Florida auto insurance quote.

Your car insurance Florida requirements need not be as expensive as your initial quote might suggest if you then take the time to find out all of the discounts possible for your own circumstances. Automobile insurance companies in Florida as elsewhere will provide an initial base quote and then leave it to you to ask for the reductions. They will not offer them, so be aware of what you can ask for.