Auto Insurance in Florida – Your Defense in Auto Accidents

2007-03-08 10:33:40

( Insurance )



According to Florida department of financial services, there are more than 250,000 road accidents in Florida every year, resulting in injuries and deaths. Even if you are a careful driver, it pays off to buy auto insurance in Florida to avoid expenses incurred in road accidents.

If you register your car in Florida, you are required by state law to buy Florida insurance minimum coverage only for personal injury protection and property damage liability. For purposes of registration, bodily injury liability is not a requisite. But you should still buy some coverage for bodily injury liability, in case you get involved in an accident resulting in a third party’s injury.

Like in most states, Fl car insurance companies use driving history, territory, gender, age, credit history, vehicle usage and type, model, year and value of your car to determine your insurance rate. Premiums differ from one Florida insurance company to another. You will save money on your auto insurance in Florida if you find time to shop around.

Your Florida auto insurance company will require you to submit the list of names of your family members and anyone who drives your car. These names must be submitted once you apply for auto insurance in Florida. In the event that a person not in that list is involved in an accident using your car, your Fl car insurance claims might be rejected for misrepresentation.

If you cannot afford a one-time payment of your premium, Florida car insurance companies allow you to finance your premium through a bank loan or a credit card account. There are also state-regulated premium finance companies that will lend you money to help pay your premiums.

There are many options available to you when you purchase car insurance Miami or car insurance in Florida. These options ensure that no matter what your financial circumstances might be, you will be able to defend yourself and your assets with Florida car insurance coverage.


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