Eglin AFB Auto Insurance

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Eglin AFB, FL car insurance requirements

The No Fault insurance law is used in only a few states and Florida is one of them. Most people, who come to live in Eglin AFB, are unfamiliar with No Fault insurance. If you want to find the right policy for you, you need to understand the law.

The law mandates you to hold a minimum cover of:

Personal Injury Protection – $10,000
PDL – $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. PIP also pays a $5,000 death benefit.

Property Damage Liability (PDL) – This covers damages to other people’s property, caused by you or a member of your family. ‘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

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 Eglin AFB, Florida. Sooner or later you will be caught and will have to face charges. You will be force to carry SR22 insurance and pay fines as well. DMV can suspend your license for up to 3 years.

Here is a list of some of the rights you have as a customer:

Pick your own auto insurance company and broker
Buy your policy without the influence of discrimination
Get a fair coverage quote
Get copies of all forms and applications, including your insurance policy, within 60 days
Have your claim researched in an appropriate and timely manner
Receive payment for essential repairs, or for the value of your automobile, within twenty days of putting your signature on a settlement agreement
File a complaint with your insurance carrier

Many people spend a few months of their year in Eglin AFB, Florida 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 PIP and PDL coverage.

What is No Fault Insurance Anyway?

In its pure sense, No Fault insurance means that each motorist is covered by his own insurance, in case of any sort of accident. Even if you are at fault, you can not be sued.

Of course, not a single state with No Fault law, applies its principals that strictly. Florida is no exception.

Some men and women in Eglin AFB, 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. If your car or property is damaged, the at fault driver’s insurance should cover the expenses.

The ability to sue other drivers for damages is regulated and under No Fault Insurance law all drivers must carry insurance for their own protection.

Other policies regarding Eglin AFB car insurance

Getting the bare minimum is not a good idea, according to experts. 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.

Cheap auto insurance in Eglin AFB, Florida

Believe it or not, it is not that difficult to find low cost auto insurance in Eglin AFB, %%. The only thing you really need to do is to compare quotes. Make certain you don’t accept your renewal quote because that’s precisely what your company wants you to do. You are in control because the insurance providers in Florida are doing all they can to bring in new clients!

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

Discounts are even available for young drivers in Eglin AFB. Did you know that some providers offer discount rates for good grades? That’s what you might call a win win scenario, very good education which is even financially rewarded.

Seniors drivers are given discount rates and enjoy low cost auto insurance too. That’s because insurance providers know that older persons don’t drive fast cars recklessly and have less mileage per year.

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