Florida law dictates the minimum requirements for insurance coverage that all drivers must carry. In addition, drivers can choose from a long list of additional coverages for added protection. While the state of Florida doesn't require you to have personal injury liability (BIL) insurance, many experts think it's wise to add this coverage. It is also important to note that Florida requires a license to drive a motor vehicle on state streets.
That means that your personal auto insurance policy will be used to cover related expenses if you are involved in an accident, regardless of who is at fault. Insurance companies evaluate individualized factors, such as driver's age, zip code, driving history, credit score, and more, when calculating insurance premiums. For accidents that occur in Florida, PIP covers you, family members who live in your household, certain passengers who do not own a vehicle, and others who drive your car with your permit. 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.
You are required by law to keep proof of Florida car insurance on your car and show it if a law enforcement officer requests to see it. Other types of coverage that your car insurance company may also offer include roadside assistance and medical coverage (an additional policy to pay for medical expenses such as hospitalizations and medical treatment due to a serious accident). In Florida, full coverage auto insurance is considered the minimum insurance coverage required by Florida law or a policy that protects drivers in most circumstances, depending on who you ask. You must maintain the required insurance coverage throughout the registration period or your driving privilege and your registration may be suspended for up to three years.
Medical payment insurance applies if the injury occurs in your car or someone else's car, or on the street as a pedestrian. Other coverages, such as roadside assistance, rental reimbursement, and new car replacement programs, are considered add-on. The following laws have recently been enacted in Florida and may affect your insurance coverage decisions. As a no-fault state, Florida's auto insurance laws state that all drivers operating a motor vehicle must have at least the minimum coverage requirement.
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.