Hialeah Auto Insurance

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Hialeah, FL auto insurance requirements

The No Fault insurance law is used in only a few states and Florida is one of them. Many people, who come to live in Hialeah, are not familiar 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 :

PIP – $10,000
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. Fances, buliding and cars are regarded as “Properties”.

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

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

It is against the low to drive uninsured in Hialeah, FL. You will face charges when you get caught. On top of any fines you have to pay, you will be also required to have SR22 insurance. DMV has the power to suspend your driving privileges for up to 3 years.

Don’t forget that as a customer you have rights too.

Pick your own insurance company and broker
Buy your policy without the influence of discrimination
Receive a fair coverage quote
Receive copies of all forms and applications, including your insurance policy, within 60 days
Have your claim investigated in a proper and timely manner
Receive payment for required repairs, or for the value of your automobile, within 20 days of putting your signature on a settlement agreement
File a complaint with your insurer

Many people spend a few months of their year in Hialeah, FL and the remainder of it elsewhere. If you have a car in Florida for more than 90 days throughout the year, you have to purchase at least the minimum PIP and PDL coverage.

No Fault insurance explained

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

But of course, no state in United States enforces the No Fault law in such a strict form. Florida is no exception.

Many people in Hialeah, 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 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.

While driving in Hialeah – What other cover should I consider?

Insurance specialist state that going for the minimum coverage required is not a wise idea. It will be hardly enough to cover you in a case of a more serious 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.

Low cost car insurance in Hialeah, FL

Believe it or not, it is not that difficult to find affordable car insurance in Hialeah, 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. Auto insurance companies in Florida are fighting for new business and that is a good news for you!

Typically, special rates and deals are available to new customers.

Discount rates are even available for young drivers in Hialeah. Do you know that good grades can in fact mean less expensive car insurance? That’s what you might call a win win situation, very good education which is even financially compensated.

If you are on older driver, you can also find affordable auto insurance. 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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