Temple Terrace Auto Insurance

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What are the auto insurance requirements in Temple Terrace, Florida?

The No Fault insurance law is used in only a few states and Florida is one of them. If you are moving to Temple Terrace from another state, you may be unfamiliar with No Fault insurance. In order to find the right policy for you and your family, you need to understand the law.

The law mandates you to carry a minimum cover of:

Personal Injury Protection – $10,000
PDL – $10,000

Personal Injury Protection (PIP) – Irrespective of who is at fault in any sort of accident, you are covered. Personal Injury Protection covers some of the costs for medical expenses and lost wages. 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.

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

Driving uninsured in Temple Terrace, Florida, is illegal. You will face charges when you get caught. On top of any fines you have to pay, you will be also required to have SR22 insurance. Department of Motor Vehicles has the right to suspend your driving privileges for up to three years.

As a customer you have the right to:

Pick your own insurance company and broker
Buy your policy without the influence of discrimination
Get a fair coverage quote
Receive copies of all forms and applications, including your insurance policy, within 60 days
Have your claim researched 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

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

What is No Fault Insurance Anyway?

No Fault insurance’s true meaning is that each motorist is covered by his own insurance policy in the case of any sort of accident. The at fault motorist can not be sued for damages.

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

Many people in Temple Terrace, 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 at fault driver’s insurance should cover you if your property and car have been damaged.

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 Temple Terrace – What other cover should I consider?

Experts say that you should never go with the bare minimum. The reason being that such a policy will not cover you full in the event of an accident. 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.

Cheap car insurance in Temple Terrace, Florida

Believe it or not, it is not that difficult to find cheap car insurance in Temple Terrace, Florida. All you need to do is shop around and compare quotes. Accepting your renewal quote is exactly what your insurer wants you to do, so do not do it. The good news for you is that insurance companies in Florida are fighting for each new customer!

They offer savings and special rates which are only applicable to new customers.

Discounts are even available for young drivers in Temple Terrace. Are you aware that good grades can actually mean less expensive car insurance? This is really a win win scenario, if you really 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 special discounts and enjoy cheap car insurance too. The lower yearly mileage and simple fact that mature drivers don’t driver high-priced vehicles are just some of the reasons.

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