It may come as a surprise to you, but car insurance prices are different in different states. They differ in a number of important ways. If you have been paying for car insurance in one state for a number of years and are moving to Florida, this should be of interest to you. How does Florida car insurance compare to insurance in your state?

First of all, it is important that you understand the laws surrounding car insurance in FL. Most states require the minimum liability insurance coverage by law and Florida is no exception to this. The minimum insurance coverage you need in the State of Florida is $10,000 Property Damage Liability (PDL) and $10,000 Personal Injury Protection (PIP).

Personal Injury Protection, unlike required insurance in many states, covers injury to you in the case of an accident, whether you are at fault or not. It also covers certain other individuals who may be riding with you in your vehicle, including your children and passengers who do not have PIP themselves, providing they do not own a vehicle. Since PIP insurance is required by all individuals who have a vehicle, it is assumed they will have their own and their policy will cover them.

If you do not have both PDL and PIP, you cannot register a vehicle or get license plates in the State of FL. There are other types of insurance available in this state that may differ in some respects from your current insurance, as well. Many states make personal injury liability insurance mandatory. In Florida, this insurance is called Bodily Injury Liability (BIL) and is not mandatory, but it is highly advisable. It will cover you beyond your basic PIP if you are involved in an accident that you cause.

Partly because Florida insurance laws and regulations differ from other states, your insurance from another state is not transferable to Florida. If you want to obtain automobile registration and license plates in Florida, you will have to purchase insurance from a Florida insurance prescription cialis generic agency.

When you ask, “How does Florida car insurance compare with other states?” the answer is, “Significantly”. In actual practice, the intention is the same – to protect drivers. The difference is that in Florida, the required insurance is a “No Fault” insurance, while in many other states, the mandatory insurance is one that forces drivers who are at fault to be able to meet their responsibilities.

Author Bio: Wondering how does Florida car insurance compare with other states? All’s revealed in our best FL auto ins cover overview.

Category: Finance/Insurance
Keywords: Florida car insurance compare , best FL auto ins