Why Car Insurance in Florida is Important?

Car insurance in the state is important if you live in Florida because you have to show you can take financial responsibility for any incidents in which you and your car are involved.

As a state resident, you must be able to show you can take financial responsibility for any incidents in which you and your vehicle are involved.  Financial Responsibility Law and No-Fault Law of this state outline the plan you require to meet financial responsibility requirements and legally operate your car. You may need to pay penalties if you don’t have car insurance Florida.

Penalties for Not Maintaining Financial Responsibility

If you have no any auto insurance plan, then your suspend your driving privileges, registration, and license plate can be suspended by the FDHSMV until you don’t get the insurance or up to three years.

You may also require paying a license reinstatement fee of between $150 and $500.

Florida Coverage Scale

Requirements of Car Insurance in Florida can be not same as like other states.  Just have a look on the below chart as a possible initial point to learn more about the state required auto insurance coverage levels and the most common auto insurance coverages in the state to make your choice easier.

COVERAGE SCALE
Coverage                                          State Requirements                                                 Most Common
Bodily Injury Liability                           Not required                                                          100,000/300,000
Property Damage Liability                   10,000                                        50,000
Uninsured Motorist Bodily Injury         Not required                                                         10,000/20,000
Medical Payments                               Not required                                                          5,000
Collision                                                    Not required                                                          500 deductible
Comprehensive                                         Not required                                                          250 deductible
Personal Protection Insurance           Law specifies requirements                       $10,000 medical & loss of                                          
service/ $5,000 funeral services
Personal Injury Protection (PIP)         10,000                                                                      10,000
This law states the requirements for work loss, allowable expense, necessary services, funeral expenses and survivor's loss.

Graduated Driver Licensing in Florida

You should aware of the Graduated Driver Licensing (GDL) laws of Florida that can help protect your teen driver. These laws are one among the things that have been proven to save teen lives.  You and your teen need to become familiar with these laws and should use them to form guidelines and rules for your teen driver.  

Gradutated Driving Licence Laws

Minimum Entry Age                                   15
 (Optimal: 16)
Extended Learner Period               Has optimal provision
 (Optimal: at least 6 months)
Parent Certification                            Has optimal provision
 (Optimal: 30 hours minimal)
Night Restriction                              Has the provision but it is not optimal
 (Optimal: 9 or 10 p.m.)
Passenger Restriction                               Has no provision
 (Optimal: No teenager passengers or only one-family excepted)
Minimum exit age/ Minimum age at which                         18, Has optimal provision
restrictions are lifted (Optimal: 18)