Maitland Auto Insurance

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What are the car insurance requirements in Maitland, FL?

Florida is one of the states using No Fault insurance law. A lot of people, who come to live in Maitland, have no idea what No Fault insurance is. If you want to find the right insurance for you, you must understand the law.

The minimum auto insurance requirements in Florida are:

PIP – $10,000
Property Damage Liability – $10,000

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

Bodily Injury Liability (BIL) is not required for all drivers, but only for high risk ones. 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 illegal to drive without insurance in Maitland, Florida. 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. Department of Motor Vehicles can suspend your driving privileges for up to three years.

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

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 policy, within sixty days
Have your claim investigated in an appropriate and timely manner
Acquire payment for essential vehicle repairs, or for the value of your automobile, within twenty days of putting your signature on a settlement agreement
File a complaint with your insurer

A lot people spend a few months of their year in Maitland, Florida and the remainder of it elsewhere. If you have a car in Florida for more than 90 days throughout the year, you must purchase at least the minimum personal injury protection and property damage liability coverage.

What is No Fault Insurance Anyway?

Each motorist must have insurance policy which covers him in the case of an accident. A motorist can not be sued for damages or injuries even if he was at fault.

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

Many people in Maitland, Florida, are mislead into thinking that all cost will be covered by their policy.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.

Other policies regarding Maitland car insurance

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.

Cheap auto insurance in Maitland, Florida

Believe it or not, it is not that difficult to find affordable auto insurance in Maitland, %%. The only thing you really need to do is to compare quotes. Accepting your renewal quote is precisely what your insurance company wants you to do, so do not do it. You are in control because the insurers in Florida are doing all they can to bring in new customers!

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

Discounts are even available for young drivers in Maitland. What about getting cheaper quotes because of good grades? Financial award for good grades can only be a good thing.

Older drivers are given discounts and enjoy affordable auto insurance too. Mature drivers don’t typically drive flash cars and don’t have high mileage per year.

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