Florida Car Insurance
Florida law requires residents to have car insurance. You must purchase the minimum coverage amounts for both personal injury protection insurance and property damage liability (PDL) insurance. Florida offsets this coverage requirement by offering some of the lowest car insurance coverage minimums in the country.
Auto Insurance Requirements
Florida is a no-fault insurance state. If you are injured in an accident, your car insurance will pay your medical costs up to your policy’s limits, regardless of who caused the accident.
The minimum limits for Florida car insurance coverage are:• $10,000 of no-fault or personal injury protection insurance (PIP).
• $10,000 of property damage liability (PDL) insurance.
Personal Injury Protection Insurance
In addition to covering your part of any medical expenses and income loss that result from a car accident, your Personal Injury Protection insurance (PIP), will also cover:
• Your child and other members of your household.• Your child (when he or she is riding on a school bus).
• You (when you are a pedestrian or bicyclist involved in a car accident.)
• Passengers in your car who do not have their own PIP insurance and do not own a car.
Anyone in your car who has PIP car insurance will be covered by his or her own policy if you get in a car accident. Likewise, your PIP car insurance will cover you while you are a passenger in someone else’s car.
Property Damage Liability
Property Damage Liability (PDL) auto insurance in Florida will cover you for damages you cause in a car accident to someone else’s property, such as homes or buildings.
Driving without Car Insurance
The Florida Department of Highway Safety and Motor Vehicles (DHSMV) requires your
insurance company to electronically notify them if there is a cancellation of your insurance policy.
If the DHSMV has no record of your current car insurance policy, you will be notified by mail. The notification will give you a date of suspension. If you are not able to provide the DHSMV a proof of car insurance before the suspension date, your driver’s license, plates, and registration will all be suspended.
To reinstate these, you will have to provide proof of Florida car insurance and pay a fee of:
• $150 ( first offense)• $250 (second offense)
• $500 (each offense after)
If you are able to provide proof of car insurance to the DHSMV before the date of suspension, you will not face any penalties.
You can provide your proof of car insurance:• Online at the DHSMV website.
• In person at a driver license office.
If you no longer own the car, surrender your plates and registration to the Florida DHSMV to avoid suspension of your FL driver’s license.
Optional Car Insurance in Florida
For those looking for more comprehensive coverage, most Florida car insurance companies will offer the following types of optional coverage:
• Comprehensive auto insurance – This coverage will pay for damages to your car that do not result from accidents, e.g., scratches to your car’s paint due to vandalism.
• Auto Collision Insurance– This coverage will pay for accident-related damages to your car.
• Uninsured motorist Insurance – This coverage will pay for damages incurred by incidents with drivers who do not have car insurance.
• Auto Rental Insurance.
While comprehensive coverage and collision coverage policies are not required by Florida law, your lender will require you to purchase both if you are financing your car.
Bodily Injury Liability
One of the major reasons that Florida requires no-fault car insurance is to protect FL drivers from being sued after an accident. However, if you get into an accident, there’s still a chance the victim(s) will sue you, especially if one or more victims suffers severe injury or if there is a fatality. To help cover you in these cases, you can get Bodily Injury Liability(BIL) car insurance in Florida. If you have BIL coverage and you are found responsible for an accident, this coverage helps to pay for injuries to the victims of that accident, up to the coverage limits of the policy. Bodily injury liability coverage will even help pay for the cost of a car accident lawyer if you are sued after an auto accident.
SR22
An SR22 certificate is not insurance; it is a form of proof of car insurance that guarantees you will maintain the minimum requirements for car insurance.
Certain incidents or violations may require you to carry an SR22 certification, which mandates that you purchase bodily injury liability ( BIL) car insurance on top of the basic Florida car insurance requirements.
You will have to carry an SR22 for 3 years when:
o You are involved in an auto accident that causes injuries or property damage.
o You have had your driver’s license suspended due to excessive traffic violation points.
o Your driver’s license has been habitually revoked.
If you are found guilty of driving without car insurance, you may have to carry a 6-month non-cancelable SR22 for up to 2 years. A 6-month non-cancelable SR22 requires you to pay your entire premium up front each time you renew your policy.
FR44 Florida
If you are convicted of a DUI in Florida, you may be required to purchase additional insurance and file an FR44 form as proof of that coverage. FR44 certificates are required when a driver has been convicted of a DUI and did not hold the following amounts of coverage for bodily injury liability and property damage liability insurance on the date of the arrest:
• $100,000 for injuries to any one person.
• $300,000 for injuries to all people in one accident.
• $50,000 for property damage liability (PDL).
If you are subject to the FR44 requirement, you will need to add BIL and PDL coverage to your policy, with the minimums shown above.
You must have your FR44 for at least 3 years from the date of suspension.
The Most Stolen Cars In Florida
1. Ford Pickup Truck (Full Size)
2. Honda Civic
3. Honda Accord
4. Nissan Altima
5. Toyota Camry
6. Toyota Corolla
7. Nissan Maxima
8. Chevrolet Pickup Truck (Full Size)
9. Dodge Pickup Trucks (Full Size)10. Dodge Grand Caravan
Car insurance companies
Rank Company / Group Direct Premiums Written ($) Market share (%)
1 Berkshire Hathaway Insurance 2,707,730 19.17
2 State Farm Group 2,410,915 17.06
3 Progressive Insurance Group 1,840,709 13.03
4 Allstate Insurance Group 1,671,344 11.83
5 USAA Group 894,943 6.33
6 Liberty Mutual Insurance Companies 530,038 3.75
7 Farmers Insurance Group 466,711 3.30
8 Infinity P&C Group 433,577 3.07
9 Travelers Group 316,545 2.24
10 Nationwide Group 248,865 1.76
1 Berkshire Hathaway Insurance 2,707,730 19.17
2 State Farm Group 2,410,915 17.06
3 Progressive Insurance Group 1,840,709 13.03
4 Allstate Insurance Group 1,671,344 11.83
5 USAA Group 894,943 6.33
6 Liberty Mutual Insurance Companies 530,038 3.75
7 Farmers Insurance Group 466,711 3.30
8 Infinity P&C Group 433,577 3.07
9 Travelers Group 316,545 2.24
10 Nationwide Group 248,865 1.76
car accident lawyer
- Dan Newlin & Partners - personal injury attorneys
They are experienced auto accident attorneys and are ready to guide you through the necessary steps to recover from an auto accident in Florida.
If you are Involved in a car accident, Dan Newlin & Partners can advise you on what Florida laws apply to car accidents and automobile negligence, and the several options available to victims of automobile accidents who have suffered injuries and / or damage to their vehicle.
Phone: 407-888-8000.
Central Florida
7335 W. Sand Lake Road, Suite 300
Orlando, FL 32819
7335 W. Sand Lake Road, Suite 300
Orlando, FL 32819
Daytona Beach
The 1501 Building of Holly Hill
1501 Ridgewood Ave Suite 209
Holly Hill, FL 32117
The 1501 Building of Holly Hill
1501 Ridgewood Ave Suite 209
Holly Hill, FL 32117
Gainesville
3921 NW 97th Blvd. Suite 101
Gainesville, FL 32606
3921 NW 97th Blvd. Suite 101
Gainesville, FL 32606
www.newlinlaw.com
- Steinger, Scoe & Greene - Auto Accident Attorney
If you have been involved in an automobile accident and you sustained an injury, it can be difficult to know if you have done all you can to bring those responsible to justice.
At Steinger, Iscoe & Greene, their team of auto accident lawyers will help you understand what your legal options and rights are, and how to get what you are owed in your personal injury case. While insurance companies will present you with complex information, this personal injury law firm will help you understand the details of your case and can guide you through the legal steps you should take in every stage of your case.
Miami Office
2333 Ponce De Leon Boulevard
Suite 1102
Coral Gables,
Florida 33134
(305) 547-8884
2333 Ponce De Leon Boulevard
Suite 1102
Coral Gables,
Florida 33134
(305) 547-8884
Orlando Office
4700 Millenia Boulevard
Suite 175
Orlando, FL 32839
(407) 999-7744
4700 Millenia Boulevard
Suite 175
Orlando, FL 32839
(407) 999-7744
www.injurylawyers.com
