Pompano Beach Auto Insurance

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Auto insurance requirements Pompano Beach, FL

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

The law mandates you to buy a minimum cover of:

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

Personal Injury Protection (PIP) – Regardless of who is at fault in any sort of 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) – 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.

If your insurance policy is from another state, it will invalid in Florida.

It is illegal to drive without insurance in Pompano Beach, FL. 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 client you have rights too.

Select 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 60 days
Have your claim investigated in an appropriate and timely manner
Receive payment for required 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 carrier

A lot people spend a few months of their year in Pompano Beach, FL and the remainder of it elsewhere. If you have a car in Florida for more than ninety days throughout the year, you must purchase at least the minimum PIP and PDL coverage.

No Fault insurance explained

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

However, no state in the US applies the No Fault law in such a strict form. Florida is no exception.

Many men and women in Pompano Beach, 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. The damages to your car or property will be covered by the other drivers’ insurance if he was at fault.

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 Pompano Beach car insurance

Insurance specialist state that going for the minimum coverage required is not a wise idea. 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 Pompano Beach, FL

Believe it or not, it is not that difficult to find cheap auto insurance in Pompano Beach, %%. All you have 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 very good news for you!

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

Discount rates are even available for young drivers in Pompano Beach. Did you know that some providers offer discounts 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 inexpensive vehicle insurance!

Older drivers are given discounts and enjoy cheap auto insurance too. That’s because insurance companies know that senior citizens don’t drive fast cars recklessly and have less mileage per year.

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