West Palm Beach Auto Insurance

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What are the auto insurance requirements in West Palm Beach, Florida?

Florida is a No-Fault state for auto insurance. If you are moving to West Palm Beach from another state, you may be unfamiliar with No Fault insurance. Knowing and understanding Florida No-Fault insurance law will allow you to choose the right coverage for you and will also help you if you have to to make a claim in the future.

Here are the minimum auto insurance requirements :

PIP – $10,000
PDL – $10,000

Personal Injury Protection (PIP) – In the event of an accident, you are covered by this part of your insurance. Costs of lost wages, medical expenses and resulting childcare are under Personal Injury Protection. 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”.

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.

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

It is illegal to drive uninsured in West Palm Beach, Florida. You will face charges when you get caught. For the next 3 years you will have to fill SR22 Form. DMV could suspend your license for up to 3 years.

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

Choose your own insurance company and broker
Purchase your policy without the influence of discrimination
Receive a fair coverage quote
Get copies of all forms and applications, including your policy, within 60 days
Have your claim researched in an appropriate and timely manner
Acquire payment for essential repairs, or for the value of your automobile, within 20 days of putting your signature on a settlement agreement
File a complaint with your insurance carrier

Some people spend a few months of their year in West Palm Beach, Florida 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 PDL coverage.

Tell me more about No Fault Insurance

Each driver must have insurance which covers him in the case of an accident. Even if you are at fault, you can not be prosecuted.

But of course, no state in United States applies the No Fault law in such a strict form. The same is valid for Florida.

Some drivers in West Palm Beach, Florida, are mislead into thinking that all cost will be covered by their policy.This is simply not true. Your insurance covers only the medical bills up to your limits. If your car or property is damaged, the at fault driver’s insurance should cover the expenses.

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 West Palm Beach auto insurance

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. 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 auto insurance in West Palm Beach, Florida

Believe it or not, it is not that difficult to find low cost auto insurance in West Palm Beach, %%. It is as simple as shopping around and comparing quotes. Accepting your renewal quote is exactly what your insurer wants you to do, so don’t do it. Auto insurance companies in Florida are fighting for new business and that is a excellent news for you!

Normally, special rates and deals are available to new clients.

Discounts are even available for young drivers in West Palm Beach. What about getting cheaper quotes because of good grades? That’s what you may call a win win scenario, good education which is even financially rewarded.

Older drivers are given discounts and enjoy low cost auto insurance too. Senior drivers don’t generally drive flash cars and don’t have high mileage per year.

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