Wellington Auto Insurance

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Car insurance requirements Wellington, FL

The No Fault insurance law is used in only a few states and Florida is one of them. Most people, who come to live in Wellington, do not understand No Fault insurance. In order to find the right insurance for you and your family, you need to understand the law.

The minimum auto insurance requirements in Florida are:

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

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. 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.

In Florida Bodily Injury Liability (BIL) is not required for everyone, just drivers in the high risk group. Those include drivers who have caused accident, need SR22 or have bad driving record

A policy from another state will not be accepted in Florida, it must issued by a company licensed to work in Florida.

It is against the low to drive uninsured in Wellington, FL. Sooner or later you will be caught and will have to face charges. For the next 3 years you will have to fill SR22 Form. Department of Motor Vehicles can suspend your license for up to three years.

As a customer you have the right to:

Choose your own insurance company and adviser
Obtain your policy without the influence of discrimination
Receive a fair coverage quote
Receive copies of all forms and applications, including your policy, within sixty days
Have your claim researched in an appropriate and timely manner
Receive payment for essential repairs, or for the value of your vehicle, within 20 days of putting your signature on a settlement agreement
File a complaint with your insurer

A lot people spend a few weeks of their year in Wellington, FL and the remainder of it elsewhere. If you have a car in Florida for more than ninety days throughout the year, you have to purchase at least the minimum PIP and property damage liability coverage.

Tell me more about No Fault Insurance

Each driver must have insurance which covers him in the case of an accident. The at fault driver can not be sued for damages.

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

A lot people in Wellington, 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.

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.

Other policies regarding Wellington auto insurance

Getting the bare minimum is not a good idea, according to experts. In a serious accident, such policy will hardly cover your expenses. 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 Wellington, FL

Believe it or not, it is not that difficult to find low cost car insurance in Wellington, Florida. It is as simple as shopping around and comparing quotes. Make sure you don’t accept your renewal quote because that’s exactly what your company wants you to do. 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 Wellington. Are you aware that some providers offer discount rates 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 more affordable car insurance!

If you are a senior driver, you can also find low cost auto insurance. Mature drivers don’t usually drive flash cars and don’t have high mileage per year.

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