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What type of insurance is required to purchase and maintain a Florida license plate and registration?
Florida’s minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida license plate.
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What is meant by “Florida Coverage”?
Florida coverage is an insurance policy delivered or issued for delivery in Florida by an insurance company licensed by the Florida Department of Financial Services.
Can I maintain my current policy issued in my previous state of residence?
No. The minimum required insurance must be issued through a Florida agent with an insurance company licensed to sell in Florida. Most insurers have Florida agents and are licensed to issue policies in Florida. Just ask your agent to transfer your current insurance to Florida when you register a vehicle in Florida.
What if I fail to keep insurance on my vehicle that I have registered in Florida?
The Department of Highway Safety and Motor Vehicles is authorized to suspend your driving privilege, including your vehicle license plate and registration, for up to three years or until proof of Florida insurance is provided, whichever is first.
If my Florida driving privilege is suspended because I am not properly insured, is there a penalty to reinstate my license?
Yes. A reinstatement fee of $150 up to $500, for subsequent violations, must be paid and you must provide proof of current Florida insurance.
Do all states require some kind of liability insurance?
No. Some states, while not mandating auto insurance, have what is known as financial responsibility laws that require all drivers to be able to pay for any damage or injury they may cause. However, carrying liability insurance is still the best way for you to meet your state’s financial responsibility requirements once you know what they are.
UM and UIM policies are offered by law in all states, including no fault states. In fact, some states require all motorists to carry this coverage in order to gain protection from inadequate insurance coverage of other drivers that may not carry enough or higher limits as the majority does; i.e., 100-300-50,000.
What happens if I have an accident with an uninsured or underinsured driver?
First, call the police to the scene to be sure all pertinent information is properly recorded. Your nerves will be shaken right after an accident, and it helps to have a calm and knowledgeable person walking you through the necessary details.
Then, contact your agent or policy holder services or claims number usually on you ID Card immediately and ask about filing a claim. If you followed all the recommended guidelines and procedures when you bought your policy, you should be covered within the benefits and or limitations of that policy. Remember, your car insurance policy is designed to protect you and anyone in your vehicle.
If the cost of your physical damages or personal injuries exceed the amount your policy will pay for, it may be time to take legal action against the other party. Even if you have no-fault insurance, sometimes the only way to be compensated is to place blame and responsibility where it belongs. That is why it is best to get a police report documenting the incident and any witnesses statement while it is fresh in their minds. This will preserve that moment in time and remove any room for doubt later in the legal process.
It is better to have the police report and not really need it , than it is to need one for court and not have one because it would have taken another thirty minutes to an hour extra at the incident scene.