Land O’ Lakes Auto Insurance

Seeking auto insurance quotes in Land O’ Lakes, Florida? When comparing quotes on the web, you could save up to 35%.

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Car insurance requirements Land O’ Lakes, Florida

Florida is a No-Fault state for auto insurance. If you are moving to Land O’ Lakes from another state, you may be unfamiliar with No Fault insurance. In order to find the right policy for you, you have to understand the law.

Here are the minimum car insurance requirements :

$10,000 of Personal Injury Protection
$10,000 of PDL

Personal Injury Protection (PIP) – In the event of an accident, you are covered by this part of your insurance. It pays for portions of costs such as medical expenses, lost wages, and resulting child care expenses. 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. ‘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.

If your insurance policy is from another state, it will invalid in Florida.

Driving uninsured in Land O’ Lakes, Florida, is illegal. Sooner or later you will be caught and will have to face charges. For the next 3 years you will have to fill SR22 Form. DMV can suspend your license for up to three years.

As a client you have the right to:

Pick your own auto insurance company and broker
Purchase your policy without the influence of discrimination
Get a fair coverage quote
Receive copies of all forms and applications, including your insurance policy, within sixty days
Have your claim researched in an appropriate and timely manner
Acquire payment for essential vehicle repairs, or for the value of your car, within 20 days of putting your signature on a settlement agreement
File a complaint with your insurance carrier

A lot people spend a few months of their year in Land O’ Lakes, 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.

No Fault insurance explained

No Fault insurance’s true meaning is that each driver is covered by his own insurance in the case of any sort of accident. The at fault driver can not be sued for damages.

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

Some drivers in Land O’ Lakes, Florida, are under the impression that their policy will cover all costs.This is simply not true. 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.

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.

Should I consider any other type of cover for my Land O’ Lakes car insurance policy?

Experts say that you should never go with the bare minimum. The reason being that such a policy will not cover you full in the event of an accident. To be properly insured always go with higher limits and also add additional cover to your policy.

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

Low cost auto insurance in Land O’ Lakes, Florida

Many men and women don’t realize how easy it is to find affordable auto insurance in Land O’ Lakes, %%. It is as simple as shopping around and comparing quotes. Yes, never ever accept your renewal quote stright away. The good news for you is that insurance companies in Florida are fighting for each new client!

In most cases, special rates and discounts are available to new customers.

Discounts are even available for young drivers in Land O’ Lakes. Did you know that some companies offer 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 auto insurance!

If you are a mature driver, you can also find affordable car insurance. That’s because insurance providers know that senior citizens don’t drive fast cars recklessly and have less mileage per year.

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