Florida Auto Insurance Quotes

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Florida Auto Insurance-Important Information

Required Florida Auto Coverage

You should know and understand the state-mandated requirements for Florida auto insurance when you shop for it. The mandatory coverage is as following:

-Minimum $10,000 for Personal Injury Protection (PIP): provides coverage for you in an accident notwithstanding who is the cause and pays for part of the costs such as lost income, medical expenses, and resulting child autoe expenses, besides paying a $5,000 death benefit.

-$10,000 in Property Damage Liability (PDL) covers you for damage caused by you or a family member to others while driving. Telephone poles, automobiles, fences and buildings are included as property.

Bodily Injury Liability, Comprehensive, Collision or Uninsured/Underinsured Motorist coverage are some additional forms of auto insurance available but they are optional, though your leasing agent or lender usually requires them.

Your Rights and Responsibilities

You need to be responsible for certain amount of things as a Florida auto insurance consumer such as responsibility of reading and understanding your auto policy. You are also responsible for asking your insurance company or agent to clarify things which you do not understand. You should also fill out your auto insurance application completely and accurately, verify the insurance companies and agents whom you may do business with on whether they are licensed and get enough auto insurance as described by the state of Florida.

Asking your agent or insurance company for proof of coverage upon your purchase of Florida auto insurance policy until your policy is received is also your responsibility. The same goes to keeping track of your policy to avoid the risk of delaying payments and nonrenewal; paying any extra premium costs and reporting to your company or agent if there are any changes which affect your policy occur.

You should always remember to get in touch with your insurance agent or company immediately if you are involved in an accident to ensure your claim is processed right away. If you suspect any fraud happening, report it to Florida Department of Financial Services by calling the Fraud Hotline at 800-378-0445.

As a consumer, you have the right to choose which insurance company and agent to go with and obtain a fair insurance quote. You are entitled to buy your policy without being treated preferentially or discriminated.

When a claim is filed, having the claim properly investigated in an appropriate time period; getting payment from your agent or insurance company for required repairs within 20 days of a settlement; receiving all insurance applications and forms’ copies within 60 days; and filing a complain regarding matters which you are not satisfied with your insurance company or agent are your rights as an auto insurance consumer.

Nonrenewal/Interrupted Coverage

If you do not want any nonrenewal or unnecessary interruptions in your auto insurance coverage, you have to stay current on insurance payments and new state requirements. Your auto policy may not be renewed for a number of reasons and some of them are nonpayment, failure to get new auto insurance coverage, too many accidents or claims and traffic offences and violations. Your driver’s license, registration and auto tag may be suspended by the Florida Department of Highway Safety and Motor Vehicles if your policy is revoked and fines may be set.

Extra Information

You may pose questions or get more information from Florida Department of Financial Services by calling them at 800-342-2762 or visit their website.

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