Atlantic Beach Auto Insurance

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What are the auto insurance requirements in Atlantic Beach, FL?

Florida is a No-Fault state for auto insurance. If you are moving to Atlantic Beach from another state, you may be unfamiliar with No Fault insurance. In order to find the right policy for you, you have to understand the law.

Here are the minimum auto insurance requirements :

$10,000 of PIP
$10,000 of PDL

Personal Injury Protection (PIP) – In the event of an accident, you are covered by this part of your insurance. Personal Injury Protection covers some of the costs for medical expenses and lost wages. PIP also pays a $5,000 death benefit.

Property Damage Liability (PDL) – If you or a member of your family causes property damage to others, PDL will pay for it. ‘Property’ may include fences, buildings, cars or telephone poles.

Bodily Injury Liability (BIL) is not required for all drivers, but only for high risk ones. Drivers who are required to carry SR22, have bad record or have been at fault in an accident, fall in the high-risk category

A policy from another state will not be accepted in Florida, it has to be issued by a company licensed to work in Florida.

It is illegal to drive without insurance in Atlantic Beach, FL. You will face charges when you get caught. You will be force to carry SR22 insurance and pay fines as well. DMV has the right to suspend your license for up to 3 years.

As a customer you have the right to:

Choose your own insurance company and adviser
Obtain your policy without the influence of discrimination
Get a fair coverage quote
Receive copies of all forms and applications, including your policy, within 60 days
Have your claim researched in an appropriate and timely manner
Acquire payment for necessary vehicle repairs, or for the value of your car, within twenty days of signing a settlement agreement
File a complaint with your insurance provider

Some people spend a few weeks of their year in Atlantic Beach, FL and the remainder of it elsewhere. If you have a car in Florida for more than 90 days throughout the year, you must purchase at least the minimum personal injury protection and PDL coverage.

Tell me more about No Fault Insurance

In its pure sense, No Fault insurance implies that each driver is covered by his own insurance, in case of an accident. A driver can not be charged for damages even if he was at fault.

But of course, no state in the US applies the No Fault law in such a strict form. Florida is no exception.

A lot people in Atlantic Beach, Florida, are under the impression that their policy will cover all costs.It is important to know that is not the case. Your policy covers (up to your limits of course) only the medical expenses. The at fault driver’s insurance should cover you if your property and car have been damaged.

Florida no fault auto insurance law is intended to reduce lawsuits between drivers. You can only sue the at fault party if you meet certain thresholds like major bodily function, disfigurement or significant scarring.

Should I consider any other type of cover for my Atlantic Beach auto insurance policy?

Experts say that you should never go with the bare minimum. The reason being that such a policy will not cover you full in the event of an accident. Adding additional cover and choosing higher limits will probably save you money in the long run.

Adding collision and comprehensive coverage.
Uninsured/Underinsured Motorist insurance coverage.
Adjusting your deductible to help offset some of the additional costs.

Affordable car insurance in Atlantic Beach, FL

Finding affordable car insurance in Atlantic Beach, %%, is easier than you think. It is as simple as shopping around and comparing quotes. Make sure you don’t accept your renewal quote because that’s precisely what your company wants you to do. You are in control because the insurers in Florida are doing all they can to bring in new customers!

They offer discounts and special rates which are only applicable to new customers.

Discount rates are even available for young drivers in Atlantic Beach. Do you know that good grades can in fact mean less expensive car insurance? Financial award for good grades can only be a great thing.

Seniors drivers are given discounts and enjoy affordable car insurance too. That’s because insurers know that senior citizens don’t drive fast cars recklessly and have less mileage per year.

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