No-Fault Car Insurance Florida FL

Reader’s Question:

I just moved to Florida and know nothing about car insurance here. Can someone explain it to me briefly, please?

Bridget

St. Petersburg, FL

Hello, Bridget. I welcome you and your family to the Sunshine State. You will definitely love it here, that I can guarantee you. And you are asking about Florida car insurance? Well, here is my two cents’ worth.

One important thing about car insurance in Florida that you must know is that it is one of the 12 no-fault states, meaning your car insurance provider pays for your expenses up to a certain degree whether or not you are at fault. However, a no-fault system strips you of your right to sue the liable party. So, it is best that you get the car insurance coverage that could protect you fully.

Under the law of the state of Florida, a motorist must have a Personal Injury Protection, or PIP, as well as Property Damage Liability, with both liabilities having a $10,000 minimum limit. Personal Injury Protection covers the medical expenses that both you and your passengers might incur in the event of an accident, while Property Damage Liability covers your expenses on property damages caused by the accident. What is nice about the no-fault system is that you no longer have to get coverage for Uninsured or Underinsured Motorist Bodily Injury. Since you are new to this place, check the online quotes just to have an idea.

 

 

Tags: auto insurance, auto insurance coverage, auto insurance online, car insurance, car insurance quotes