As most people know, Florida is one of the most beautiful places n the world, with a very relaxing environment for just about anyone. But without any notice, the sunny weather can turn into rain, and ones driving experience can go from extravagant to horrid. Since the unexpected could happen at any time, it is best to be ready with a good car insurance plan.
Florida’s Law
It is the law in Florida for one to carry some sort of financial responsibility – or else they are not able to drive. The law in Florida more specifically, states that all drivers need to have at least $10,000 in property damage liability, and the same amount in person injury protection. This law applies for the entire time one is living and driving in Florida, with Florida tags. Some other states do require bodily injury liability, but in Florida, only if you drive a taxi is it required.
Property damage liability is required to ensure that any damages made to someone else’s property will be paid for by the person at fault (or their insurance). It would not be fair for the victim to pay for the mistake(s) of the driver. This covers almost anything that is not the drivers. Evidently, property damage liability in an auto insurance plan does not cover any of the drivers costs.
Personal injury protection covers the driver (policyholder) as well as any passengers that are in the car at the time of the accident. Personal injury protection will pay for medical expenses up to what was paid by the policy holder.
Florida works based on a law called “No Fault Law”. The law simply states that it does not matter who caused the accident, and each person must by for damages that resulted from the accident. The ability to sue the other driver is very limited due to the No Fault Law. As a result, Florida drivers must keep in mind that even if they are hit, and are not at fault, the other driver may not necessarily have to pay for damages.
What If I Have No Insurance?
For those not carrying the minimum auto insurance requirements in Florida, there are consequences. The minimum penalty is a fine, and is given the first few times. As more offenses occur (more instances caught driving without insurance), the fines will increase. If the driver continues to operate a vehicle without insurance, they could face having their license and vehicle suspended. Lastly, if the driver continues to offend, they may be put in jail.
