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Car Insurance In Florida

Living in Florida chances are you own a car.  Unlike many other states with extensive transportation systems, Florida is one of the few states where driving is the norm.  And as a car owner and driver, you’re probably quite familiar with the way car insurance in Florida works.  You may know, for example, that Florida is one of the few “no fault” states.  What this means is that if you’re in a car accident and suffer bodily injury, your policy covers medical expenses up to a certain amount whether the accident was your fault or not.

You are probably also aware that car insurance in Florida is mandated by law and that the minimum requirements are not as high as in some other states.  Florida law requires a policy coverage of at least $10,000 for personal injury and $10,000 for property damage.  In other states these could be much higher and may include other requirements.

While, you may be quite familiar with the law and minimum requirements and may even have added additional coverage, you may have a teen in your household who may be getting close to becoming a driver.  Now it’s time to think about protecting your child while taking advantage of some of the many discounts out there.


The thought of having your child become a driver can be really nerve wrecking.  Enrolling your teen in a safe driver program will not only provide some peace of mind for you as a parent but some companies may reward you for it with a discount.  Another way to get some savings is if your child is a good student.  And this is not just for high school students.  Students under the age of 25 who maintain a B average are eligible for the good student discount.

How much or how little your teen drives may be another factor in the price you pay.  And as your child graduates high school and […]

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Florida Auto Insurance Laws

No two states in the United States are identical when it comes to auto ins laws.  It’s very important to fully understand the Florida auto insurance laws when you purchase a policy so that in the event of an accident or a traffic stop that you are fully protected in following all appropriate laws when you are driving in the State of FL.

Minimum Florida auto insurance law requirements

At the bare minimum all drivers must carry the following coverage to meet the minimum requirements.  Drivers must have bodily injury coverage of at least $10,000 for single drivers and for two or more people the coverage requirement is $20,000.  In addition to bodily injury coverage all drivers must have at least $10,000 liability coverage for any property damage.  Additional requirements come into play when there are DUIs, accidents or if a driver’s license has been suspended.

FL Car Rental requirements

Renting a car means that driver must still meet the minimum requirements.  Florida auto insurance laws still apply to rental vehicles.  When renting a car in the State of FL each renter must make sure that they have the minimum coverage still either by buying from the rental car policies or have a rental car rider on their personal policy.

FL penalties for no coverage

The State of FL clearly outlines the requirements for what is required.  If you let your policy lapse then the state can suspend your driver’s license.  When your driver’s license is suspended this also means that your vehicle registration is suspended as well.  There are penalties that must be paid before both can be reinstated so it is important to make sure there are no lapses in your policy if you reside in the State of Florida.

Florida’s no fault laws

If you drive in […]

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Florida Auto Insurance Fraud

ORLANDO, Fla. – Although Junel Basile’s job title was “driver,” precisely what he really did for Metro Chiropractic & Health Center, national regulators assume, was recruit people to engage in staged car accidents and additionally meticulously organize the accidents.

At the same time, the executive at Metro Chiropractic, Sergei Kusyakov, paid Florida Hospital employees to steal individual data so the center can solicit legitimate vehicle accident victims for your business, based on national courtroom files.

Specialists say the instances, simultaneously being prosecuted in Orlando federal court, are samples of the type of fraud that fees Americans enormous amounts of dollars every year.

“Should you decide had been going to do a TV series upon (personal-injury-protection) scam, this would be a great story-line,” stated Frank G. Scafidi, spokesman for the Nationwide Insurance Crime Bureau.

Fraud is the second-most-costly white-collar crime inside the United Says, behind taxation evasion, the National Insurance Crime Bureau reports.

And in Florida, authorities have noted a significant rise in the quantity of staged accidents in recent years.

Under Florida’s personal-injury-protection (PIP) necessity for car insurance, companies are needed to pay to $10,000 every person for healthcare treatment, irrespective of which was actually at just fault.

Regulators assume healthcare clinics that run staged accident schemes render patients obtain unnecessary remedies or bill for services will never rendered, and also exhaust the $10,000 PIP restrictions since quickly as possible.

Florida lawmakers created sweeping changes to the PIP system endure 12 months, however a judge found the new legislation unconstitutional in March. The government is appealing which ruling.

Wearing a 17-page criminal problem […]

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2013 auto news in review, and a look forward to what 2014 has in store

The world of the automobile is constantly and continuously changing and shifting on a yearly basis, with new models entering the marketplace every single year, major overhauls and changes for some of our favorite vehicles exploding into the public perception, and major missteps made by some of the bigger brands leading the charge for all the Florida auto news cycles.

2013 was no different, and 2014 issue or to follow in the same footsteps when it comes to Florida auto news. However, there are certain things that are more exciting than others in the world of the automobile, and hopefully will be able to encapsulate some of the more interesting and exciting things from 2013 while paving the way for 2014’s fantastic auto news as well.

Let’s jump right in!

Classic cars sales blow through the roof

The classic cars have always been exciting, interesting, and fun to own – and for some people, even more fun to work on – we’ve never seen classic car values quite as high as they were in 2013.

The biggest auto news of the year would have to be all of the major auctions that occurred across the globe in 2013, pushing classic car values to the highest that they’ve ever been. In fact, according to some industry insiders – as well as the overwhelming majority of investment insiders – classic car values outpaced any other investment platform over the last five years.

That’s right, classic cars have been more valuable than stocks, bonds, commodities, gold and other precious metals, and even the real estate market – which has only served to drive their value even higher.

We saw a number of absolutely jaw-dropping numbers spent on classic cars all throughout 2013, but the big  auto news focused on the major car auction known as the Lambrecht Auction. A historic classic car event if there ever was one, at this auction had 500 vintage […]

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Auto Insurance, Drivers And Why It’s Necessary For Florida Residents

Before hitting the road, you need Florida auto insurance. Most, if not all, drivers can’t actually drive without having some type of auto policy covering themselves and their vehicle. Anything can happen on the road—and, if you don’t have coverage at the moment of that something happening, that could cause you more trouble than you expect.


So, if you’re looking to shop for Florida car insurance anytime soon, you need to keep this in mind—shop for car insurance coverage that best fits your insurance needs and the needs of the vehicle that you drive.


Before shopping for auto insurance, think about what type of coverage you need. There are many different types of coverage options, and you’re not going to need all of them at once for you and/or your vehicle. To start, every state covers vehicles and drivers against liabilities. Other additional options generally include comprehensive and collision coverage.


The hows and whys


With road travel abundance throughout the state of Florida, it’s only natural that there are several auto insurance options within the state. Though, before even settling for any auto insurance plan within the state of Florida, it’s important for people like yourself to understand the ‘hows and whys’ of auto insurance.


Like many other states, Florida requires all drivers to have some form of car insurance policy. Auto insurance policies, in general, are designed to protect the driver and their vehicle, and as mentioned, keep yourself and your vehicle well protected against liabilities in an accident or other troublesome situation.


If you get into an accident – like if you swerve and end up hitting another car in traffic – you can immediately file a claim under your active auto insurance […]

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What You Need To Know About Florida Auto Insurance That May Be Different Than Other States

What You Need To Know About Florida Auto Insurance That May Be Different Than Other States


If you have relocated to Florida from another state as most retirees tend to do, or if you have come to the fine State of Florida for other reasons like school or work, there are some things you need to know about Florida auto ins. that may be different that what you are used to.  In other states like New Hampshire, there are certain guidelines that do not always make it necessary to have certain types of coverage at all, but not so in Florida. We put together some things you need to know to make sure you understand what is required so you are not out of compliance with regulations.


What Is Required for Personal Injury Protection


Aside from the usual collision coverage that protects you if you impact someone else’s car and cause damage, there is also personal injury protection that needs to be considered so that if you or someone in the accident is injured, that you are protected from loss and you are not sued for damages.  The State of FL regulations have their own requirements for minimum coverage that you need to be aware of.


The absolute minimum coverage that you as the automobile owner can have is $10,000 per person who is injured.  In some cases, depending on what kind of coverage you buy, you can have personal injury protection deductibles of over $2,000 so be sure you understand what needs to be covered and what kinds of policies you can obtain that will minimize your out-of-pocket expenses.  Less coverage purchased may mean a lot more money out of your wallet in the event of claim.  If you injure a pedestrian or a bicyclist, those types of accidents are covered under your personal injury coverage, you are also covered if someone commits a crime of bodily injury to you in […]

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