Clearwater Auto Insurance

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Clearwater, Florida car insurance requirements

Florida is a No-Fault state for auto insurance. Most people, who come to live in Clearwater, do not understand No Fault insurance. Knowing and understanding Florida No-Fault insurance law will help you you to find the right coverage for you and will also help you in the future, if you have to to make a claim.

The minimum auto insurance requirements in Florida are:

$10,000 of PIP
Property Damage Liability – $10,000

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. In the unfortunate event of death, PIP will pay $5,000.

Property Damage Liability (PDL) – This portion pays for damage you or a family member cause to others while driving. ‘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. Those include drivers who have caused accident, need SR22 or have bad driving record

Your insurance policy must be issued by a company licensed to do business in Florida and can not be from another state.

It is against the low to drive uninsured in Clearwater, Florida. When you get caught you will face charges. You will be force to carry SR22 insurance and pay fines as well. Department of Motor Vehicles has the right to suspend your driving privileges for up to 3 years.

As a customer you have the right to:

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

A lot people spend a few months of their year in Clearwater, Florida and the remainder of it elsewhere. Having a car in %stte% for more than 90 days a year, will require you to get the minimum personal injury protection and PDL coverage.

What is No Fault Insurance Anyway?

In its pure sense, No Fault insurance implies that each driver is covered by his own insurance, in case of an accident. The at fault driver can not be sued for damages.

In reality, no state in United States applies the No Fault law in such a strict form. Florida is no exception.

A lot people in Clearwater, Florida, are under the impression that their policy will cover all costs.This is simply not true. Your policy covers (up to your limits of course) only the medical expenses. The damages to your car or property will be covered by the other drivers’ insurance if he was at fault.

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 Clearwater car insurance policy?

Insurance specialist state that going for the minimum coverage required is not a wise idea. In a serious accident, such policy will hardly cover your expenses. Higher limits and additional cover will guarantee that you are properly insured.

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

Low cost car insurance in Clearwater, Florida

Many people don’t know how simple it is to find low cost car insurance in Clearwater, Florida. It is as simple as shopping around and comparing quotes. That’s right, never ever accept your renewal quote stright away. You are in control because the insurers in Florida are doing all they can to attract new clients!

In most cases, special rates and discounts are offered to new clients.

Discounts are even available for young drivers in Clearwater. Are you aware that some providers offer special discounts for good grades? This is really a win win scenario, if you encourage you son or daughter to get better grades they’ll be getting a better start in life AND inexpensive vehicle insurance!

Older drivers are given special discounts and enjoy low cost 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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