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Understanding Car Insurance in Florida
This is my site Written by on October 2, 2011 – 11:13 pm

There are many different regulations and different types of car insurance in Florida that you must be aware of.  Depending on your situation you may need full coverage insurance, minimum coverage insurance, or even SR-22 insurance.  These are all very different and it is important to understand what each type of coverage can provide for you.

Florida is considered to be a “no fault” state, which means if you get into an accident and it is not your fault you may still be responsible for the damages to your own vehicle.  This makes it very difficult to sue for injuries and damages if you get into an accident in Florida.  You should take the time to understand the No Fault Law in Florida before you choose your insurance coverage.

Full Coverage Car Insurance in Florida

If you have a car payment, a newer car, or you want to make sure you have a vehicle to drive in the event of an accident you will want to get full coverage.  This means you have the type of coverage that will protect you in nearly any situation.  If you were to run into a lamp post, an animal, or get into an accident your vehicle will get fixed because of your coverage.

Full coverage Florida auto insurance can also include towing coverage, rental car coverage, road side assistance, and other protections to help you in the event of an accident.  When your car is not able to be driven you will need a vehicle to get you where you need to go.  You will also need a way to get your damaged vehicle to a mechanic.  If you have towing and rental car coverage you will not have to worry about any of this.

Minimum Coverage Car Insurance in Florida

In the state of Florida you have to carry at least $10,000 in Property Damage Liability and $10,000 in Personal Injury Protection on your vehicle.  This is what it takes to legally drive the vehicle within the state of Florida.  This will help to protect those individuals, including the driver, in the event of an accident.  It will also help to pay for the repairs of the other vehicle if the accident is your fault.

If you own a vehicle that is 5 years or older and you don’t have a car payment, then this may be the right coverage for you.  Older vehicles will be totaled very easily and it will not take much damage for this to happen.  This means you may not want to pay for full coverage if you drive an older vehicle that you can replace pretty easily.

However, if you have a vehicle with a car payment you will most likely be required to carry more than just the minimum state required insurance.  Make sure you look into the coverage you have to carry in this situation and get car insurance in Florida that will fit the vehicle you have and what you need.

SR-22 Car Insurance in Florida

Sr-22 is not a type of coverage, but instead is a very high risk type of insurance used for those that have been convicted of a DUI.  In this case you will have to carry larger minimum coverage and you will pay more for your insurance than you used to.  You will have to carry at least $50,000 in property damage coverage along with at least $100,000 in bodily injury liability per person.

This coverage is meant to protect the innocent by standers that could be injured by an intoxicated driver.  You will have to carry this type of insurance for three to five years before you can get back to carrying regular car insurance.  If you need this type of insurance you may have to contact a specialty company that can provide it for you.

Whenever you are shopping for car insurance you want to take your time and make sure you choose the company that is right for you.  This is not always the cheapest policy or the smallest amount of coverage.  Take a look at your situation and get the coverage you feel will be best for you and you will have car insurance in Florida that is right for you.

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