Pine Hills Auto Insurance

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Pine Hills, FL auto insurance requirements

Florida is one of the states using No Fault insurance law. Most people, who come to live in Pine Hills, have no idea what No Fault insurance is. In order to find the right insurance for you and your family, you have to understand the law.

Here are the minimum auto insurance requirements :

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

Personal Injury Protection (PIP) – In the event of an accident, you are covered by this part of your insurance. Personal Injury Protection covers some of the costs for medical expenses and lost wages. PIP also pays a $5,000 death benefit.

Property Damage Liability (PDL) – This portion pays for damage you or a family member cause to others while driving. ‘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. More precisely, those that have caused accidents, need SR22 or have too many traffic violations.

Your insurance policy must be issued by a company licensed to do business in Florida and can not be from another state.

It is a criminal offence to drive uninsured in Pine Hills, FL. Sooner or later you will be caught and will have to face charges. On top of any fines you have to pay, you will be also required to have SR22 insurance. DMV has the power to suspend your license for up to 3 years.

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

Choose your own auto insurance company and adviser
Purchase your policy without the influence of discrimination
Receive a fair coverage quote
Obtain copies of all forms and applications, including your insurance policy, within 60 days
Have your claim investigated in an appropriate and timely manner
Acquire payment for essential repairs, or for the value of your automobile, within twenty days of signing a settlement agreement
File a complaint with your insurance provider

A lot people spend a few months of their year in Pine Hills, 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 PDL coverage.

What is No Fault Insurance Anyway?

No Fault insurance’s true significance is that each motorist is covered by his own insurance in the case of an accident. Even if you are at fault, you can not be charged.

Not surprisingly, not a single state with No Fault law, enforces its principals that firmly. The same is valid for Florida.

A lot people in Pine Hills, Florida, are under the impression that their policy will cover all costs.This is simply not true. Your policy covers (up to your limits of course) only the medical expenses. 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.

Should I consider any other type of cover for my Pine Hills auto insurance policy?

Experts say that you should never go with the bare minimum. In a serious accident, such policy will hardly cover your expenses. 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 Pine Hills, FL

Believe it or not, it is not that difficult to find cheap auto insurance in Pine Hills, Florida. The only thing you really have to do is to compare quotes. Ensure you don’t accept your renewal quote because that’s exactly what your company wants you to do. You are in control because the insurers in Florida are doing all they can to bring in new customers!

In most cases, special rates and deals are offered to new customers.

Special discounts are even available for young drivers in Pine Hills. Do you realize that good grades can in fact mean less expensive auto insurance? Financial award for good grades can only be a good thing.

If you are a mature driver, you can also find cheap auto insurance. That’s because insurers know that seniors don’t drive fast cars recklessly and have less mileage per year.

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