The Villages Auto Insurance

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The Villages, Florida car insurance requirements

Florida is a No-Fault state for auto insurance. Most people, who come to live in The Villages, do not understand No Fault insurance. Knowing and understanding Florida No Fault insurance law will help you you to find the right coverage for you and will also help you if you need to make a claim in the future.

The minimum auto insurance requirements in Florida are:

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

Personal Injury Protection (PIP) – This part of your insurance policy, covers you in an accident regardless of who is at fault. Costs of lost wages, medical expenses and resulting childcare are under Personal Injury Protection. 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. 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. Drivers who are required to carry SR22, have bad record or have been at fault in an accident, fall in the high-risk category

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

It is illegal to drive without insurance in The Villages, Florida. You will face charges when you get caught. For the next 3 years you will have to fill SR22 Form. DMV has the right to suspend your license for up to three years.

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

Pick your own insurance company and agent
Purchase your policy without the influence of discrimination
Get a fair coverage quote
Obtain copies of all forms and applications, including your policy, within sixty days
Have your claim looked into in an appropriate and timely manner
Receive payment for essential vehicle repairs, or for the value of your car, within 20 days of signing a settlement agreement
File a complaint with your insurance provider

Some people spend a few weeks of their year in The Villages, 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 property damage liability coverage.

What is No Fault Insurance Anyway?

Each driver must have insurance policy which covers him in the case of an accident. A driver can not be sued for damages even if he was at fault.

Needless to say, not a single state with No Fault law, enforces its principals that strictly. Florida is no exception.

Many men and women in The Villages, 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.

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 The Villages – 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. 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.

Affordable auto insurance in The Villages, Florida

Finding cheap auto insurance in The Villages, Florida, is easier than you think. It is as simple as shopping around and comparing quotes. That’s right, never ever accept your renewal quote stright away. You are in control because the insurers in Florida are doing all they can to attract new customers!

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

Under some circumstances, even young drivers insurance in The Villages may be more affordable than you think because of available discounts. What about getting less costly quotes because of good grades? 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 less costly vehicle insurance!

If you are on older driver, you can also find cheap car insurance. The reduced yearly mileage and simple fact that senior drivers don’t driver high-priced cars are just some of the reasons.

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