St. Augustine Auto Insurance

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St. Augustine, Florida auto insurance requirements

Florida is one of the states using No Fault insurance law. If you are moving to St. Augustine from another state, you may be unfamiliar with No Fault insurance. In order to find the right policy for you, you must understand the law.

Here are the minimum auto insurance requirements :

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

Personal Injury Protection (PIP) – This part of your insurance, covers you in an accident regardless of who is at fault. 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) – 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, just drivers in the high risk group. 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 St. Augustine, FL, is a criminal offence. 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 right to suspend your license for up to 3 years.

Here is a list of some of the rights you have as a purchaser:

Pick your own auto insurance company and broker
Buy 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 required repairs, or for the value of your automobile, within twenty days of putting your signature on a settlement agreement
File a complaint with your insurer

Some people spend a few weeks of their year in St. Augustine, 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 personal injury protection and PDL coverage.

What is No Fault Insurance Anyway?

No Fault insurance’s true significance is that each driver is covered by his own insurance in the case of an accident. The at fault driver can not be charged for damages.

But of course, no state in America enforces the No Fault law in such a exact form. Florida is no exception.

A lot people in St. Augustine, Florida, are under the impression that their policy will cover all costs.This is simply not true. Your insurance covers only the medical bills up to your limits. 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 St. Augustine auto insurance policy?

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 St. Augustine, FL

Believe it or not, it is not that difficult to find affordable car insurance in St. Augustine, %%. The only thing you really need to do is to compare quotes. Accepting your renewal quote is precisely what your insurance provider wants you to do, so do not do it. You are in control because the insurance companies in Florida are doing all they can to bring in new clients!

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

Special discounts are even available for young drivers in St. Augustine. Do you realize that some providers offer special discounts for good grades? That’s what you may call a win win situation, good education which is even financially compensated.

If you are a senior driver, you can also find affordable auto insurance. The lower yearly mileage and the fact that older motorists don’t driver high-priced cars are just some of the reasons.

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