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.
There are currently twelve states operating under “no-fault liability”, of which Florida is one. PDL coverage pays for damage to someone else's property caused by you or someone else driving your insured vehicle. This protects you if you are in a car accident in which people are injured or killed due to their negligence. And since regular car policies don't provide any coverage for your personal belongings in your car, personal property coverage can help.
If you don't already have coverage, your auto insurance company may be able to sell you a temporary endorsement to cover you while you're traveling. L & M Insurance Group is an independent, locally-owned insurance agency with over 30 years of experience assisting clients in Riverview, Valrico, Brandon, Gibsonton, Apollo Beach, Tampa and surrounding areas. Snowbird insurance is auto insurance for vehicle owners who spend part of the year in a second home, often in warmer areas such as Florida or Arizona. This insurance is often called “no-fault coverage” because it covers and pays for accident claims, regardless of who is at fault.
However, remember that if an accident causes someone more damages or injuries than what is covered by your insurance policy, they have the right to sue you for damages. SR22 an insurance statement certifying bodily injury liability (BIL) and property damage liability (PDL) to meet the reinstatement requirements of the Florida Financial Responsibility Act. When you move to Florida, you'll want to find a local independent insurance agent who will take care of your insurance needs, an agent familiar with Florida's insurance laws. Military personnel stationed out of their home state, or people who have a car in an out-of-state vacation home, may also want to own a car in one state and have a license from the other.
Insurance companies are similar, as they usually also require you to insure your vehicle in the state in which the car will be driven and parked for most of the year. 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& Lorenzo in Tampa. People buy temporary car or vacation home insurance when they live far from their primary home, but still drive.
