Florida is one of the most populous states in the country, with approximately 14,300,000 licensed drivers on the highways. But unfortunately, Florida drivers have a bad reputation. Approximately 26.7% of Florida drivers do not have insurance, even though car insurance is legally required in the state. Some common car insurance discounts are the creation of a home and car insurance policy, insurance for several vehicles, conducting a defensive driving course, the absence of claims and the use of an anti-theft system on the vehicle.
It is important to note that PIP insurance will not pay you for pain and suffering and that legal action would be necessary to receive compensation for such damages. This insurance covers any property that you or your family members damage in an accident, whether it's a fence, bicycle, car, or anything else. PDL coverage pays for damage to someone else's property caused by you or someone else driving your insured vehicle. In a no-fault state, every person injured in a car accident files a claim with their own insurance company and depends on their coverage to pay their medical expenses.
In some cases, drivers who have their license suspended must purchase FR-22 insurance to recover it, demonstrating that they have the minimum insurance coverage required by the state. That is, you are not required to insure against any injuries that people receive if you cause an accident. An SR22 is required if you are cited for driving without insurance or committing serious traffic offenses, among other offenses. Direct Auto offers competitively priced commercial auto insurance with flexible payment options and discounts for small business owners.
Any Florida driver who is unable to provide proof of insurance, such as an insurance card or documentation of coverage, when requested by a law enforcement officer, will also suffer the same consequences listed above. However, it's a good optional coverage, and many insurance companies include it with other types of car insurance. If you're looking for homeowners insurance, you might be wondering how your homeowners insurance premium is calculated. In addition, licensed drivers who drive their vehicle with their consent are covered by their PIP insurance.
Commercial auto insurance is for drivers who use their vehicle for activities related to their work or business other than commuting. However, most commercial vehicles in Florida are legally required to meet the following minimum levels of combined bodily injury liability insurance and property damage liability insurance.
