Lake Worth Auto Insurance

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Lake Worth, FL car insurance requirements

Florida is a No-Fault state for auto insurance. Most people, who move to Lake Worth, have no idea what No Fault insurance is. Knowing and understanding Florida No-Fault insurance law will allow you to find the right coverage for you and will also help you in the future, if you need to make a claim.

The minimum auto insurance requirements in Florida are:

PIP – $10,000
PDL – $10,000

Personal Injury Protection (PIP) – This part of your insurance policy, covers you in an accident regardless of who is at fault. 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 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.

Only high risk drivers are required to carry Bodily Injury Liability (BIL) as well. More precisely, those that have caused accidents, need SR22 or have too many traffic violations.

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

It is illegal to drive without insurance in Lake Worth, FL. You will face charges when you get caught. For the next 3 years you will have to fill SR22 Form. Department of Motor Vehicles can suspend your driving privileges for up to three years.

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

Choose your own auto insurance company and agent
Buy your policy without the influence of discrimination
Get a fair coverage quote
Obtain copies of all forms and applications, including your policy, within 60 days
Have your claim investigated in an appropriate and timely manner
Acquire payment for essential repairs, or for the value of your automobile, within 20 days of putting your signature on a settlement agreement
File a complaint with your insurance provider

Many people spend a portion of their year in Lake Worth, 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 PDL coverage.

Tell me more about No Fault Insurance

No Fault insurance’s true meaning is that each driver is covered by his own insurance policy in the case of an accident. Even if you are at fault, you can not be charged.

But of course, no state in United States applies the No Fault law in such a exact form. The same is valid for Florida.

A lot drivers in Lake Worth, Florida, are mislead into thinking that all cost will be covered by their policy.It is important to know that is not the case. 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.

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.

While driving in Lake Worth – What other cover should I consider?

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 Lake Worth, FL

Many people don’t realize how easy it is to find low cost auto insurance in Lake Worth, Florida. All you need to do is shop around and compare quotes. Accepting your renewal quote is exactly what your insurance provider wants you to do, so do not do it. You are in control because the insurance companies in Florida are doing all they can to bring in new clients!

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

Special discounts are even available for young drivers in Lake Worth. Do you realize that good grades can actually mean more affordable auto insurance? That’s what you may well call a win win scenario, good education which is even financially rewarded.

Seniors drivers are given discount rates and enjoy low cost auto insurance too. Mature drivers don’t typically drive flash cars and don’t have high mileage per year.

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