Miami Auto Insurance

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Car insurance requirements Miami, Florida

Florida is a No-Fault state for auto insurance. If you are moving to Miami from another state, you may be unfamiliar with No Fault insurance. If you want to find the right insurance for you and your family, you need to understand the law.

The law mandates you to hold a minimum cover of:

$10,000 of PIP
$10,000 of PDL

Personal Injury Protection (PIP) – Irrespective of who is at fault in any sort of accident, you are covered. Costs of lost wages, medical expenses and resulting childcare are under Personal Injury Protection. 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. Fances, buliding and cars are regarded as “Properties”.

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

Driving uninsured in Miami, FL, is against the low. You will face charges when you get caught. You will be force to carry SR22 insurance and pay fines as well. DMV has the right to suspend your license for up to three years.

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

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

Many people spend a portion of their year in Miami, FL 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 PIP and property damage liability coverage.

What is No Fault Insurance Anyway?

In its pure sense, No Fault insurance implies that each motorist is covered by his own insurance, in case of any sort of accident. Even if you are at fault, you can not be prosecuted.

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

Many men and women in Miami, 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. If your car or property is damaged, the at fault driver’s insurance should cover the expenses.

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 Miami auto insurance

Getting the bare minimum is not a good idea, according to experts. The reason being that such a policy will not cover you full in the event of an 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 auto insurance in Miami, FL

Believe it or not, it is not that difficult to find affordable auto insurance in Miami, Florida. It is as simple as shopping around and comparing quotes. Accepting your renewal quote is precisely what your insurance provider wants you to do, so don’t do it. Auto insurance companies in Florida are fighting for new business and that is a excellent news for you!

Always check what discounts are obtainable to you as a new client and what will the insurance provider do to win your business.

Even if you have to have young drivers insurance in Miami you are still likely to get a discount under some instances. What about getting cheaper quotes because of good grades? Financial award for good grades can only be a good thing.

If you are on older driver, you can also find affordable auto insurance. That’s because insurers know that senior citizens don’t drive fast cars recklessly and have less mileage per year.

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