Florida Car Insurance Quotes
"Each year, there are more than 250,000 [Florida] accidents, resulting in 230,000 injuries and 3,000 deaths." -Florida Department of Financial Services
Obtaining Florida car insurance is essential to owning a motor vehicle in the state of Florida. And that's where we can help! At InsureMe, we make finding the best Florida car insurance easy. Our free quoting service provides you with up to five free, competitive Florida car insurance quotes from knowledgeable agents in your area. Fill out our form and start saving today!
Important Information Regarding Car Insurance in Florida
State-Mandated Coverage
It is important to know and understand Florida state requirements when shopping for Florida car insurance. The following coverage is mandatory for owning and operating a motor vehicle in Florida:
- A minimum of $10,000 of Personal Injury Protection (PIP). This insurance covers you in an accident regardless of who is at fault, and pays for portions of costs such as medical expenses, lost wages, and resulting child care expenses. PIP also pays a $5,000 death benefit.
- $10,000 of Property Damage Liability (PDL). This portion pays for damage you or a family member cause to others while driving. "Property" may include fences, buildings, cars or telephone poles.
Many Florida drivers also buy additional types of Florida car insurance, such as Bodily Injury Liability, Collision, Comprehensive or Uninsured/Underinsured Motorist coverage-but these are completely optional, unless required by your lender or leasing agent.
Interrupted Coverage/Nonrenewal
It is vital to stay current on payments and new state requirements in order to avoid unnecessary interruptions in your Florida car insurance coverage.
Your Florida car insurance company may terminate, or nonrenew, your car insurance policy for several reasons. These include excessive claims or accidents, traffic violations, nonpayment, and failure to obtain new car insurance coverage. If your Florida car insurance policy is cancelled, the Florida Department of Highway Safety and Motor Vehicles will suspend your driver's license, vehicle tag and registration. Fines may also result.
Your Rights and Responsibilities
As a Florida car insurance consumer, you have the right to:
- Choose your own insurance company and agent
- Purchase your policy without the influence of discrimination
- Obtain a fair coverage quote
- Receive copies of all forms and applications, including your policy, within 60 days
- Have your claim investigated in a proper and timely manner
- Acquire payment for necessary repairs, or for the value of your car, within 20 days of signing a settlement agreement
- File a complaint with your insurance company
Your responsibilities as a Florida car insurance consumer are:
- Read and understand your policy
- Obtain adequate insurance, as mandated by the state of Florida
- Verify agent and company licenses
- Fill out your application accurately and completely
- Get a binder (proof of coverage) until you receive your policy
- Keep track of your policy-renewal date
- Pay for any additional premium costs
- Report any changes affecting your policy to your insurance agent or company
- Contact your insurance company or agent immediately following an accident
You should also report any suspected fraud to the Florida Department of Financial Services by calling the Fraud Hotline at 800-378-0445.
Additional Information
For more information, contact the Florida Department of Financial Services at 800-342-2762, or access their Web site at www.fldfs.com.
Saving on Your Florida Car Insurance
Comparison shopping is the best way to save on your Florida car insurance. Let us do the work for you! Just fill out one simple form, and InsureMe will get you up to five competitive Florida car insurance quotes from which to choose.
