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New Port Richey, Florida car insurance requirements
Florida is a No-Fault state for auto insurance. If you are moving to New Port Richey from another state, you may be unfamiliar with No Fault insurance. In order to find the right policy for you, you need to understand the law.
The law requires you to have a minimum cover of:
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. PIP also pays a $5,000 death benefit.
Property Damage Liability (PDL) – This covers damages to other people’s property, caused by you or a member of your family. ‘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.
A policy from another state will not be accepted in Florida, it has to be issued by a company licensed to work in Florida.
It is illegal to drive without insurance in New Port Richey, FL. When you get caught you will face charges. For the next 3 years you will have to fill SR22 Form. DMV has the power to suspend your driving privileges for up to 3 years.
Don’t forget that as a buyer you have rights too.
- Pick your own insurance company and adviser
- Purchase your policy without the influence of discrimination
- Get a fair coverage quote
- Get copies of all forms and applications, including your policy, within 60 days
- Have your claim researched in an appropriate and timely manner
- Receive payment for essential fixes, or for the value of your car, within 20 days of signing a settlement agreement
- File a complaint with your insurer
Some people spend a few weeks of their year in New Port Richey, 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 property damage liability coverage.
No Fault insurance explained
No Fault insurance’s true meaning is that each driver is covered by his own insurance policy in the case of an accident. The at fault driver can not be prosecuted for damages.
However, no state in America applies the No Fault law in such a strict form. The same is valid for Florida.
Some drivers in New Port Richey, 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 insurance covers only the medical bills up to your limits. 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 New Port Richey – What other cover should I consider?
Experts say that you should never go with the bare minimum. In a serious accident, such policy will hardly cover your expenses. 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.
Low cost car insurance in New Port Richey, FL
Many people don’t know how easy it is to find affordable car insurance in New Port Richey, Florida. All you have to do is shop around and compare quotes. Accepting your renewal quote is exactly 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!
They offer savings and special rates which are only applicable to new customers.
Even when you have to have young drivers insurance in New Port Richey you are still likely to get a reduction under some instances. Do you know that good grades can actually mean less expensive car insurance? 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 less costly vehicle insurance!
If you are on older driver, you can also find affordable car 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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