If a resident of FL wants to operate a motor vehicle, the state requires them to have Florida Car Insurance. In addition, they must carry minimum coverage amounts for property damage liability and personal injury protection. However, most people supplement these with additional coverage.

Mandatory FL auto insurance has some of the lowest minimum coverage requirements in the country. However, how they drive can affect the rates. For example, traffic violations and accidents can raise rates. Drive safely and choose the right coverage for their needs, and they will be able to save on Florida car insurance.

Car insurance sold by FL companies like this website must be no-fault. No-fault means that no matter who causes an accident, insurance must pay the medical costs up to the policy’s coverage amount limit. 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 injuryWhat Does Personal Injury Insurance Cover?

Personal injury protection does not only apply to the driver of a vehicle. It covers many other people in different circumstances, depending on several factors. For example, insurance protects other family members when riding in a car. Injury protection insurance covers passengers riding in the vehicle unless they have injury insurance. They are protected by injury insurance when riding in other people’s cars. The children are even covered when riding on a school bus.

What Does Property Damage Insurance Cover?

Property damage insurance covers them for damages they might cause during a car accident to other people’s property. For example, an accident could damage a home or a different structure. The Department of Highway Safety requires that all operators of motor vehicles have car insurance up to at least the state minimum. In addition, they need Florida auto insurance underwriters to notify them if their insurance has been canceled or lapsed.

Insurance companies send this notification to the DHSMV electronically. The department will notify them by mail that the current car insurance policy is no longer in force. In addition, they will suspend the driver’s license, vehicle registration, and license plates. To avoid these suspensions, show proof of insurance up to the compulsory limits for personal injury and property damage. Furthermore, they can prove reinstatement with the existing insurer before this date.

What to Do if You Miss Your Suspension Date

Suppose they have a suspended insurance policy and, therefore, not legal to operate a motor vehicle. In that case, the State of FL will charge a fee to reinstate driving privileges. The price is $150 for a first offense, $250 for a second offense, and $350 for any additional violation.

Drivers must show proof of insurance to the Department of Highway Safety and Motor Vehicles. Furthermore, drivers can submit this proof at the DHSMV website, 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

Suppose they cancel their insurance due to them selling or disposing of the car. Drivers must present the license plates and the vehicle’s registration to the Florida DHSMV before their suspension to keep their FL driver’s license in force.

Ref: https://floridainsurancequotes.net/auto-insurance/know-car-insurance-fl/

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