Florida is a no-fault state, so if you're in an accident, you'll use your own insurance even if it didn't cause the accident. In other words, while Florida insurance laws only require liability and personal injury protection, it's always a good idea to have coverage above the minimum requirement. Drivers license suspension and registration for up to three years, unless proof of insurance is submitted on time. That means that drivers can recover the diminished value of the driver who was at fault in an accident or from their insurance company.
For example, the minimum acceptable car insurance policy in Florida does not have coverage for bodily injury liability. People tend to think that because Florida is a no-fault state, drivers cannot be legally pursued for the injuries they cause in a car accident. For broader protection, it may be better to find a full coverage policy with comprehensive and collision insurance. These prices are only estimates based on fares for an average Florida driver and should not be used to compare insurance prices.
Florida is a no-fault state, so the minimum car insurance limits are different from those in other states. This auto insurance coverage will cover personal medical expenses up to the limit set out in the policy. The ICS is a proprietary rating that weighs multiple factors that reflect the quality, reliability and health of an insurance company. The following laws have recently been enacted in Florida and may affect your insurance coverage decisions.
You must have and maintain FR-44 insurance coverage for three years after the date of your DUI conviction in order to reinstate your driver's license. Figuring out how much car insurance you should have will require you to assess your needs and circumstances as a driver. Insurify's analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. Even though Florida is a no-fault state, an injured party could sue you for damages if they are extensive or go beyond what your minimum insurance requirements cover.
On the other hand, property damage liability is insurance that covers expenses related to damage that you or someone driving your insured vehicle caused to someone else's property.
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