Naples Auto Insurance

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Car insurance requirements Naples, Florida

Florida is one of the states using No Fault insurance law. Most people, who come to live in Naples, have no idea what No Fault insurance is. Understanding and knowing Florida No Fault insurance law will allow you to choose the right coverage for you and will also help you if you need to make a claim in the future.

Here are the minimum car insurance requirements :

$10,000 of Personal Injury Protection
$10,000 of Property Damage Liability

Personal Injury Protection (PIP) – Irrespective of who is at fault in an accident, you are covered. 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 Naples, 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 has the right to suspend your license for up to three years.

As a client you have the right to:

Pick your own insurance company and broker
Purchase your policy without the influence of discrimination
Get a fair coverage quote
Get copies of all forms and applications, including your insurance policy, within 60 days
Have your claim investigated in an appropriate and timely manner
Receive payment for essential fixes, or for the value of your vehicle, within twenty days of signing a settlement agreement
File a complaint with your insurance company

Some people spend a few months of their year in Naples, 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 PIP and PDL coverage.

No Fault insurance explained

Each motorist must have insurance which covers him in the case of an accident. A motorist can not be charged 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. The same is valid for Florida.

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

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.

Other policies regarding Naples car insurance

Insurance specialist state that going for the minimum coverage required is not a wise idea. In a serious accident, such policy will hardly cover your expenses. 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.

Cheap car insurance in Naples, Florida

Many people don’t know how simple it is to find affordable car insurance in Naples, Florida. All you need to do is shop around and compare quotes. That’s right, never ever accept your renewal quote stright away. Auto insurance companies in Florida are fighting for new business and that is a great news for you!

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

Discounts are even available for young drivers in Naples. Do you realize that some companies offer discount rates for good grades? This is really a win win situation, if you encourage you son or daughter to get better grades they’ll be getting a better start in life AND more affordable car insurance!

Seniors drivers are given discount rates and enjoy affordable car insurance too. The reduced yearly mileage and the fact that senior drivers don’t driver expensive cars are just some of the reasons.

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