Yes, Florida requires that all drivers operating motor vehicles in the state have auto insurance. Drivers in Sunshine State must carry proof of insurance with them whenever they are driving. If you are in a car accident or are stopped by the authorities, you will need to show your proof of insurance to law enforcement. In fact, having some level of auto insurance is the law in every state except two (Virginia and New Hampshire).
In Florida, you must carry proof of insurance with you whenever you drive and it must be current. In the event that you are stopped or in a car accident, law enforcement will ask you to show this proof. Registering any new vehicle also requires that you have proof of Florida coverage. Medical payment insurance covers medical expenses, beyond those covered by PIP, that result from accidental injuries.
Medical payment insurance differs from personal injury liability coverage in that it covers the medical expenses of you, your family members, and your passengers, regardless of who is “at fault.” Medical payment insurance applies if the injury occurs in your car or someone else's car, or on the street as a pedestrian. Keep in mind that health insurance also covers medical expenses for car accidents beyond those covered by PIP. This form, submitted by your insurance company, serves as proof of financial responsibility and verifies that you have proof of insurance. UM insurance pays for medical expenses, lost wages (beyond your PIP coverage), bodily injury, illness or death resulting from an automobile accident suffered by you and your passengers.
If you maintain the insurance company, they can change your coverage to your current state of residence when you make the change of registration. Once your license is suspended, you may need to purchase what is called FR-22 insurance to get your license back. PIP insurance pays up to 80 percent of medical expenses that result from a car accident or car injury, regardless of who was responsible for the accident. The minimum required car insurance coverage in Florida provides drivers with a solid foundation of auto insurance coverage, but it may not be enough for everyone.
Depending on the policy's specific coverage limitations, auto insurance can cover everything from vehicle damage to medical bills. The at-fault driver is responsible for paying for any damage to the vehicle or property over and above what is covered by liability insurance. For example, if you lose control of your car and you hit another driver from behind, property damage liability coverage would pay for repairs to the other vehicle. If your medical costs exceed the amount of insurance coverage you have, you have the option of suing for damages.
If you recently moved to Florida, you'd better immediately find an insurance agent to help you with car insurance information. We also recommend this, as Florida has the second highest percentage of uninsured motorist claims, about 20%, according to the Insurance Information Institute. In the event that it causes an accident, liability insurance coverage will only cover injured victims and their vehicle or property. If you've been seriously injured in a car accident with an uninsured driver, or your insurance policy can't sufficiently cover the expenses of a car accident caused by someone else, you'll want to contact the car accident lawyers at Lorenzo%26 Lorenzo in Tampa.
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