Lighthouse Point Auto Insurance

Are you looking for automobile insurance quotes in Lighthouse Point, FL? You can easily save up to $600 when you compare vehicle insurance quotes on the internet.

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Lighthouse Point, Florida car insurance requirements

The No Fault insurance law is used in only a few states and Florida is one of them. A lot of people, who come to live in Lighthouse Point, are unfamiliar with No Fault insurance. Understanding and knowing Florida No-Fault insurance law will help you you to choose the right coverage for you and will also help you in the future, if you need to make a claim.

Here are the minimum car insurance requirements :

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

Personal Injury Protection (PIP) – Regardless of who is at fault in an 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) – This covers damages to other people’s property, caused by you or a member of your family. Fances, buliding and cars are regarded as “Properties”.

In Florida Bodily Injury Liability (BIL) is not required for everyone, just drivers in the high risk group. 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.

Driving uninsured in Lighthouse Point, FL, is a criminal offence. 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. Department of Motor Vehicles can suspend your driving privileges for up to 3 years.

As a buyer you have the right to:

Pick your own auto 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 looked into in an appropriate and timely manner
Receive payment for required vehicle repairs, or for the value of your vehicle, within 20 days of signing a settlement agreement
File a complaint with your insurance carrier

Some people spend a portion of their year in Lighthouse Point, FL 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 PIP and PDL coverage.

Tell me more about No Fault Insurance

In its pure sense, No Fault insurance usually means that each motorist is covered by his own insurance policy, in case of an accident. The at fault motorist can not be charged for damages.

In reality, no state in the US applies the No Fault law in such a exact form. Florida is no exception.

Some people in Lighthouse Point, Florida, are mislead into thinking that all cost will be covered by their policy.This is simply not true. 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.

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 Lighthouse Point – What other cover should I consider?

Getting the bare minimum is not a good idea, according to experts. It will be hardly enough to cover you in a case of a more serious accident. Higher limits and additional cover will guarantee that you are properly insured.

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

Affordable car insurance in Lighthouse Point, FL

Finding cheap car insurance in Lighthouse Point, %%, is easier than you think. All you have to do is shop around and compare quotes. Accepting your renewal quote is precisely what your insurance company wants you to do, so don’t do it. You are in control because the insurance companies in Florida are doing all they can to bring in new customers!

Always check what deals are obtainable to you as a new customer and what will the insurance company do to win your business.

Under some circumstances, even young drivers insurance in Lighthouse Point may be cheaper than you think because of available special discounts. Do you realize that some providers offer special discounts for good grades? That’s what you may well call a win win situation, very good education which is even financially rewarded.

Older drivers are given special discounts and enjoy cheap car insurance too. That’s because insurance companies know that seniors don’t drive fast cars recklessly and have less mileage per year.

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