Golden Lakes Auto Insurance

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What are the auto insurance requirements in Golden Lakes, FL?

Florida is one of the states using No Fault insurance law. If you are moving to Golden Lakes from another state, you may be unfamiliar with No Fault insurance. Understanding and knowing Florida No Fault insurance law will allow you to choose the right coverage for you and will also help you in the future, if you have to to make a claim.

Here are the minimum auto insurance requirements :

PIP – $10,000
PDL – $10,000

Personal Injury Protection (PIP) – Irrespective of who is at fault in any sort of accident, you are covered. 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) – If you or a member of your family causes property damage to others, PDL will pay for it. Fances, buliding and cars are regarded as “Properties”.

In Florida Bodily Injury Liability (BIL) is not required for everyone, only drivers in the high risk group. 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 policy must be issued by a company licensed to do business in Florida and can not be from another state.

It is a criminal offence to drive without insurance in Golden Lakes, FL. When you get caught you will face charges. On top of any fines you have to pay, you will be also required to have SR22 insurance. DMV has the right to suspend your license for up to three years.

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

Pick your own auto insurance company and adviser
Buy your policy without the influence of discrimination
Receive a fair coverage quote
Receive copies of all forms and applications, including your policy, within sixty days
Have your claim investigated in a proper and timely manner
Receive payment for necessary vehicle repairs, or for the value of your car, within 20 days of signing a settlement agreement
File a complaint with your insurance carrier

Many people spend a portion of their year in Golden Lakes, FL and the remainder of it elsewhere. If you have a car in Florida for more than ninety days throughout the year, you have to purchase at least the minimum PIP and property damage liability coverage.

No Fault insurance explained

Each motorist must have insurance policy which covers him in the case of an accident. The at fault motorist can not be sued for damages.

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

A lot men and women in Golden Lakes, Florida, are under the impression that their policy will cover all costs.It is important to know that is not the case. Your insurance covers only the medical bills up to your limits. 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 Golden Lakes auto insurance policy?

Getting the bare minimum is not a good idea, according to experts. In a serious accident, such policy will hardly cover your expenses. 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 Golden Lakes, FL

Believe it or not, it is not that difficult to find affordable auto insurance in Golden Lakes, Florida. The only thing you really have to do is to compare quotes. Accepting your renewal quote is precisely what your insurer wants you to do, so don’t do it. The good news for you is that insurers in Florida are fighting for each new buyer!

Usually, special rates and discounts are available to new clients.

Discount rates are even available for young drivers in Golden Lakes. How about getting less expensive quotes because of good grades? That’s what you may well call a win win scenario, very good education which is even financially rewarded.

If you are a senior driver, you can also find affordable auto insurance. That’s because insurance companies know that older persons don’t drive fast cars recklessly and have less mileage per year.

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