New to Florida? Know These Auto Laws
If you recently moved to Florida, you need to know about these auto insurance laws:
You need to carry personal injury protection insurance. This is something that most states do not have so there is a good chance that PIP was not included in your previous policy.
The deductible for your PIP insurance can be as high as $1,000.
Your property damage deductible should only be $500.
The bare minimum PIP insurance coverage you can have is $10,000. This is regardless of the type of car that you drive, how old it is or what it is valued at.
As a Florida insurance agency, we can go over these with you in detail so that you understand what the laws are and can comply with them.
PIP Insurance Explained
Personal injury protection (PIP) insurance is designed to provide you with personal injury coverage, regardless of whether or not you were responsible for the accident. The benefit of this type of policy is that if you are in a car wreck, there is no need to wait and see who is to blame before you can have your medical bills paid. You can simply go and see a doctor and get your health taken care of without even needing to speak with an attorney. This can ultimately save you time and money.
There are limits to your PIP insurance coverage so it will be important to discuss the level of coverage you want when we go over your policy options. Generally speaking, PIP will pay for –
Up to 80 percent of your medical expenses (capped at your coverage amount).
Up to 60 percent of the wages you have lost by being unable to go to work or needing to take time off for medical care (also capped at your coverage amount).
The amount of medical bills that are paid for and the lost wages you can receive, are determined by your coverage amount. We will ask you questions to help determine what your coverage amounts should be.
Give us a Call
If you recently moved to Florida, make sure your vehicle is registered and has an updated insurance policy. We will help you find an insurance policy with an affordable rate.
Call for your quote: (813) 776-2400.