No-Fault State Auto Insurance In Florida

No Fault Auto Problems and Uninsured Motorists

Florida has adopted a no-fault auto insurance system. The idea behind this approach was to help keep overall costs down by resolving relatively small insurance claims without having to take them to court.

When a person is injured in a car accident, he or she is compensated for the injuries sustained in the accident by their own insurance company – without the necessity of determining who was at fault for the accident. In return for getting their claims settled relatively quickly, the injured person gives up the right to sue for damages when the accident is a relatively minor one.

People who have been injured in a car accident in Florida still have the right to sue under certain circumstances. If the level of injuries sustained in the accident meets a specific threshold, the injured person does have the right to sue the at-fault driver.

The level of injuries may be considered sufficient to meet the threshold because of their severity or in terms of dollar amounts for treatment. Generally speaking, an injury will meet the threshold if it causes an ongoing disability, disfigurement or loss of use of a body part. Fatal injuries would also meet the threshold, and the individual’s surviving relatives could sue for damages because of the loss of their loved one.

 

Uninsured Motorist Coverage

Drivers in Florida are not required to buy uninsured motorist coverage, but it’s a good idea to put this type of coverage in place anyway. Your no-fault coverage from your own insurance company doesn’t have a very high limit; it will only pay out up to $10,000 on a personal injury claim.

In a situation where your injuries are more severe than what would be covered under this level of protection and the other driver doesn’t have car insurance, you may have difficulty in getting compensated for your medical bills and other expenses. To make sure that you would receive fair compensation following a car accident, add uninsured motorist coverage to your existing car insurance policy.

You can approach your current car insurance company about this coverage and ask for a quote to add it to your policy. If you are in the market for a new car insurance company and are interested in getting quotes for your auto insurance coverage, then ask that anything a prospective insurer provides to you include uninsured motorist coverage.

Before you can make a decision about adding this protection to your insurance or including it in a new policy, you will want to make sure you understand exactly what you are buying. Ask about how much protection you are getting for lost wages and medical bills. You will also want to find out whether you can receive compensation for your pain and suffering.

Affordable Florida Auto insurance is easier to find than many people would imagine, and it’s not just a process of talking to brokers or using a price comparison web site. There are many things that drivers can do to help lower the costs of their annual outlay.

First and foremost, drivers should always be deliberate, conservative and ultimately safe in their driving habits. Safe driving cuts down the risk of having an accident and is rewarded by reductions in policy premiums from insurance companies.

Drivers can also take another step towards affordable Florida auto insurance by driving a smaller sized vehicle, ideally with an engine capacity of 1.1 litres or lower. Affordable car insurance can also be achieved by investing in recognised vehicle security systems and fitting an approved tracking device. Costs can be further reduced by avoiding unnecessary modifications or upgrades that increase the risk of theft or criminal damage.

Regulating mileage is another significant step towards affordable car insurance and purchasing a policy in a single lump sum saves on potentially expensive additional costs that come with paying for your insurance on a month to month basis. When searching for Florida car insurance, it is often beneficial to use the services of a specialised vehicle insurance broker who can search the market for a range of competitive premiums that often have extra discounts not usually available to the general public. Brokers will also provide customers with a comprehensive after sales service and will often deal with insurance companies on your behalf when problems arise as well as helping out should you ever need to make a claim.

 

Penalties for Driving without Florida Car Insurance

Getting caught driving without car insurance in Florida is a big deal. Not only is it a criminal offence, but you are also lacking financial protection if you happen to be involved in an accident.

The penalty for getting caught driving without car insurance in Florida is an immediate suspension of your driving privileges. Your license is gone, and your plates must be returned to the Department of Motor Vehicles (DMV). The suspension can last for up to three years or until you can show proof of insurance (whichever comes first).

Once you can provide proof of insurance, you will be required to pay a fee to get your driving privileges reinstated. The fee in this case starts at $150 and can go up to $500 if  it is not your first offence. Some people don’t learn their lesson the first time and end up going through this process more than once. The DMV will also need to see proof that you are currently insured before reissuing your licence.

Getting car insurance after a lapse in coverage can be challenging, too. This fact doesn’t make you the most attractive car insurance buyer, but there are companies willing to offer you coverage. You will need to get a number of free car insurance quotes before choosing an insurance company.