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Every driver needs car insurance, but understanding the specifics of what is legally required can sometimes be challenging. This is because there are different types of car insurance, and coverage requirements can vary from state to state. Learn more about insurance requirements in Florida with this helpful guide.

A Guide to Car Insurance in Florida

What are Florida’s car insurance requirements?

The state of Florida requires that residents carry a minimum of $10,000 in coverage for each of the following categories: personal injury protection, property damage liability, and bodily injury liability. This coverage also applies to individuals who drove a vehicle in Florida for at least 90 days the prior year — even if they aren’t residents.

What if I don’t get insurance coverage?

car insuranceIf you are pulled over and discovered to not have insurance, your driving privileges, registration, and license tags will all be suspended. The state can suspend these privileges for up to three years, or until you obtain proof of insurance. However, there is often an additional fee required to reinstate your license.

What’s the difference between comprehensive and collision coverage?

When obtaining car insurance, drivers are often unsure whether they should get comprehensive or collision coverage. Collision coverage is mandatory, as this applies in situations where you hit another vehicle or even a stationary object. Comprehensive coverage is strongly encouraged, as it covers events beyond your control like hurricanes, hail, fire, theft, and vandalism.

What factors determine my rate?

The make and model of your vehicle, your driving record, and the number of miles you typically drive will all affect your policy rate. There are a few factors beyond your control that can also influence your rates, such as the general risk for auto accidents and natural disasters in your area.

 

Whether you need car insurance, homeowners insurance, or another policy, you can trust Family First Insurance Services in Wesley Chapel, FL, to help. This team helps families throughout the Tampa Bay area find affordable coverage that is personalized for their needs. To learn more about what this insurance agency can do for you, visit them online or call (813) 994-3900.

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