If you’re a resident of FL and want to operate a motor vehicle, the state requires you to have car insurance. There are minimum coverage amounts that you must carry for property damage liability and personal injury protection, but most people supplement these with additional coverage.
Mandatory FL auto insurance has some of the lowest minimum coverage requirements in the country. How you drive can have an effect on the rates you pay. Traffic violations and accidents can raise your rates. Drive safely and choose the right coverage for your needs and you’ll be able to save on FL car insurance.
Car insurance sold by FL companies like this website must be offered on a no-fault basis. This means that no matter who causes an accident, your insurance is required to pay your medical costs up to the limit of your policy’s coverage amount. The minimum limits for the two main types of mandatory FL car insurance are:
- $10,000 in the event of property damage
- $10,000 in the event of personal injury
What Does Personal Injury Insurance Cover?
Personal injury protection does not only apply to the driver of a vehicle. It covers many other people in many other circumstances depending on a number of factors. Other members of your family are covered when they are riding in your car. Passengers that are riding in your car are also covered by your personal injury protection insurance unless they have personal injury insurance of their own. You are covered by your own personal injury insurance when riding in other people’s car in turn. Your children are even covered when they are riding on a school bus, and you are covered if you’re riding a bicycle or walking and are involved in a car accident.
What Does Property Damage Insurance Cover?
FL car insurance for property damage covers you for damages you might cause during a car accident to other people’s property, like a home or other structure.
Since the Department of Highway Safety requires that all operators of motor vehicles be insured up to at least state minimums, they also require FL auto insurance underwriters to notify them if your insurance has been canceled or has lapsed. This notification to the DHSMV is done electronically. The department will then notify you by mail that your current car insurance policy is no longer in force, and give you a date of suspension for your driver’s license, vehicle registration, and your license plates. In order to avoid these suspensions, you will have to show proof of suitable insurance up to the compulsory limits for personal injury and property damage from another insurer, or prove reinstatement with your existing insurer before this date.
What To Do If You Miss Your Suspension Date
If you are not able to prove you have valid insurance to operate a motor vehicle by the suspension date, the State of FL will charge you a fee to reinstate your driving privileges. The fee is $150 for a first offense, going to $250 for a second offense, and $350 for any offense after that.
Proof of insurance can be shown to the Department of Highway Safety and Motor Vehicles at the DHSMV website, in person at any department office that offers driver’s licenses, or by phoning the department at 850-617-2000.
What To Do If You Sell Your Car
If your cancellation of coverage is a result of you selling or disposing of the car it is written for, you must present your license plates and the vehicle’s registration to the Florida DHSMV before the date of your suspension if you want to keep your FL driver’s license in force.