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Automobile Insurance in Florida.
What You Should Know - Frequently Asked Questions.

Automobile Insurance is the one type of insurance that most of us will always have to be familiarized with. For this reason, we have put together this F.A.Q. (Frequently Asked Questions) so you can be better informed and prepared when finding a good deal, both in terms of protection and price. If you are just looking for Car Insurance Quotes simple click here.

What's the minimum coverage required by law?

Why do I even need car Insurance, I have enough money to pay for repairs, never had an accident and I am a very careful and responsible driver?

Car Insurance seems so complicated. There are so many components involved! What's this stuff all about?

How can I make sure I am adequately covered?

Why am I forced to get insurance when I have financing (taking a loan) on my car?

Are all the coverages shown above automatically added to my car insurance policy?

I have "Full-Coverage" on my car, how come my claim was denied or I didn't get enough money?

What is the right deductible to have on my car insurance?

Why does my insurance keep going up and up and up every renewal?

I thought insurance was supposed to go down in price, not up every time?

How come my friends and family in Canada and other states pay so much less for car insurance?

I had a Not at Fault accident but my insurance price still went up. This doesn't sound very fair. What can I do?

Why do I have to pay for a high price in insurance when it's other people causing accidents? What can I do?

I never had a claim, but my car insurance cancelled me anyway. Why? What can I do?

I only stopped paying for a week or so and I got cancelled. If I want my policy back is a lot more money. Why?

Why do companies care about my credit, my prior coverage amount and length and other reports that have nothing to do with driving?

What can I do to get the best price in Car Insurance?

What should I do in case of an accident?

Will my price go up if I have claims or tickets?

Do you have any useful Florida Insurance Links?

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What's the minimum coverage required by law?

Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida license plate. In addition to this, the Florida Financial Responsibility Law requires that any person at fault in a crash resulting in bodily injury and property damage to others must have in effect at the time of the crash full liability insurance coverage. This coverage includes minimum limits of bodily injury liability of $10,000 per person, $20,000 per crash, $10,000 property damage liability per crash, and personal injury protection limits of $10,000 per person per crash.

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Why do I even need car Insurance, I have enough money to pay for repairs, never had an accident and I am a very careful and responsible driver?

Insurance protects you against risk by removing or diminishing the monetary impact of the unexpected. Car Insurance is necessary because every time you drive you are exposing yourself and others to a number of risks:

- Risk of damaging someone else's property (their cars, business, homes, etc.) and therefore exposing your assets (cash, savings, property, income and belongings) to repay and compensate for such damages should be legally liable for them.

- Risk of injuring someone else. Similarly as above, your car can be a very dangerous and injury inflicting machine when the unexpected comes to happen. Collisions occur every month by the thousands in America and should be found responsible for injuries to others, your assets are at risk (cash, savings, property, income and belongings) to repay and compensate for such injuries in the form of treatment, pain and suffering, loss of income, etc.

- Risk of damaging your vehicle. This is pretty obvious, your vehicle is exposed to the elements, road conditions, other drivers, theft, floods, and a multitude of factors that could cause damage to it. Insurance can pay for such damages so you don't have to.

- Risk of becoming injured. Not only driving your car can be a very dangerous to others, but also to yourself. Car Insurance and help you cope with some of your medical expenses, loss of income and other needs should you become injured too. It normally isn't used as the primary form of accident or health care, but it can be used to help and supplement your medical expenses.

- Risk of losing transportation. What if your car is in the shop being repaired? what will you drive in the meantime to go to work? Car Insurance can help you rent a car and drive while your car is repaired.

For all but not limited to these reasons you need car insurance. Having "a lot of money" doesn't mean you don't need insurance, because even though you may easily be able to pay for your car repairs out of pocket, you have your cash and assets to protect in case of a lawsuit in which you are found liable for injuries or damages to others. If you never had an accident and are a very skilled and responsible driver, good for you! but again, this doesn't mean you don't need insurance. It only takes ONCE for the unexpected to happen and to lose everything. People who are 60 years old sometimes have their first accident in their lives, and some of these accidents carry grave consequences in terms of injuries and damages to others. If you are not properly covered, you are exposing yourself greatly to loss. Saying you don't need car insurance because you are a very good and responsible driver is the equivalent of saying you don't need life insurance because you have never died before!!! It doesn't really make good sense. Get a good agent on the phone or get a quote on our site and get adequate protection now.

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Car Insurance seems so complicated. There are so many components involved! What's this stuff all about?

You are right! it is complicated and important. For better or worse, the industry has now a tendency to focus on price more than in coverage and adequate protection first. Price is important, but getting you and your family protected should be the top priority, otherwise why even have insurance to begin with? unfortunately, for most people, it's not always so simple that even a Cro-Magnon can do it...

A lot of people get hung up when shopping for insurance for the best deal, and often forget the consequences of poorly selected coverage. Sometimes these decisions are done over the phone with somebody miles away from you or on the internet when you can't even talk in person to someone who understands these things! for this reason, our recommendation is that in this modern world where personal touch is becoming outdated, that you take your time, you ask for advise from a licensed agent, and simply try to understand what this is all about. To help you get started, we are going to put it as simply as possible in non-technical terms so when you talk to your personal agent you are better prepared.

Car Insurance protection can be easily divided into four major parts:
1. Protection for my vehicle.
2. Protection for my money and assets.
3. Protection for my family and myself.
4. Optional Protection

It's our experience, that the best way to go about getting the insurance, is to simply ask your agent those questions: How can I protect my vehicle? How can I protect my money and assets? and How can I protect my family and myself? Here's more in depth how the car insurance protects you on each of these items:

1. Protection for my vehicle: This first one is pretty self explanatory. Something bad happens to your car, the insurance pays for it. Fire, theft, collision, vandalism, hurricane, flood, fire, hail, falling objects, etc, are good examples of them. In the policy, you will usually find coverage against these things under the following coverages:

-Collision: Typically pays for repairing or replacing the car for damage cause in a crash
-Comprehensive: As above, it typically pays for damages or replacement of the car, except that is for everything different from a collision (fire, theft, vandalism, hurricane, flood, fire, hail, falling objects, etc), or in other words, things different from car crashes.
-Additional coverages may exist to protect other of your car components. Ask your agent if you feel you need this kind of protection.

2. Protection for my money and assets. This is pretty important stuff. Even of you don't care much about insuring your car, you should care about this one. This means, lawsuits protection. Should you be liable for injuries or damages to others, you don't want to be paying with your house, your cash, your savings or your salary, when you have this kind of protection. In most policies you will find this coverage included on the following items:

-Bodily Injury Liability: This coverage typically protects you if you are legally liable for injuries to others, and it helps pay for medical expenses and other losses related to these injuries.
-Property Damage Liability: This coverage typically protects you if you are legally liable for damages to property of others (their car, their house, their business, etc.) and helps pay to repair or replace said property.

3. Protection for my family and myself: You may feel that the section above protects yourself and your family, and you would be right to think so. However, this part makes mostly reference to injuries to yourself and your family. If you or your family are injured, you can use your car insurance to help pay for the expenses and losses related to injuries. These are the typical coverages people use to do so within the car insurance policy:

-Medical Payments: As the name implies, that's what this coverage typical does; it pays for medical expenses occurred as a result of a car accident.
-Personal Injury Protection: Similar to the coverage above it helps pay for medical expenses occurred as a result of a car accident, and it may also may help cover other expenses such as loss of services, death benefit of $5,000 and loss of income. It comes at a fixed amount for $10,000 that is divided among the coverages above. There is more to the workings of this coverage, but this should at least give you the basics you need to know, so your agent can pick it up from here.
-Uninsured and Underinsured Motorists Protection: This valuable coverage typically protects you and your passengers if you are injured in an accident with an uninsured or underinsured driver. In Florida, this coverage pays for injuries to you or passengers, not for damage to your car. This is a common misconception.

4. Optional Protection: Coverage such as Loan Gap, Identity Theft, Replacement Cost, Towing and Roadside assistance, and last but not least Rental Coverage usually fall in here. Most of these coverages are both valuable and inexpensive. You should talk to your agent about them, and if at all possible add them to your policy.

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How can I make sure I am adequately covered in my car insurance?

Coverage adequacy depends a lot on your own and particular situation. There is no such thing as a good-for-all set of coverage. Beware of "Full Coverage" policies, since also, there's isn't such a thing. A policy is a combination of different coverages, and Full Coverage only serves to confuse people in most cases. Here's some pointers to get you started:

For liability coverages (pays for damages or injuries to others)

The easiest way to go about it, is to get as much as you can afford. This may sound exaggerated at first, but when you get quotes for higher coverage limits, the difference in price is not that big sometimes, and having higher coverage often looks better in your record allowing you to get more bank for your buck when you shop around for insurance. Even if it is more expensive, you have to keep in mind that liability is just another term for lawsuits protections and the cost is well worth it in most cases. How much can you lose if you are liable for injuries or damages to others? Well, add them up: Income, Savings, Cash, Properties, Belongings... See? that's why some people even purchase Umbrella policies, to extend the liability coverage in their auto policy, so they can have higher limits of coverage sometimes up to 5 million dollars.
Now, this may seem to many like a lot of money for liability coverage, but take this example: what if you make 70,000 a year, and you are 45 years old. Multiply that income times your remaining income years (70 x 30) and that equals 2 million dollars!! that's not even counting your 300,000 home, your 200,000 in savings and investments... and who knows what else!! so you don't have to be filthy rich to have proper liability coverage. Let the company pay for those things, not your pocket. Medical expenses, pain and suffering and damages in general can be quite high, and if as a result of the injuries you cause the other person is disabled and unable to work, the bill to pay could be quite high.

As far as your physical damage car coverage is concerned..

It really depends. There are some affluent people who don't really care to spend the extra 200 - 500 every 6 months to cover the vehicle, since they can afford to repair or replace it out of pocket. That being said, for most people it usually makes sense to insure your car for physical damage for collision and comprehensive coverage, so you don't have to repair it or replace it out of pocket, and spend potentially thousands of dollars. When a car is too old, this coverage becomes a little less popular (although not unadvisable) because cars depreciate very fast, and the money you could get for a total loss is sometimes less than what it costs to repair it. This is the reason why a lot of insurance claims have the effect of giving you only a couple thousands dollars for your car, appropriating your damaged vehicle, and you are left with very little money to get another one. Some will say it's better to have something than nothing, but it is a fact that cars that are 10 years old or more often go uninsured for physical damage since their market value is much less.

Your medical and personal injury coverage

Here there are different things you need to think about. It is extremely valuable to have Uninsured Motorists Protection, medical and PIP on your auto policy, because these coverages help pay for medical expenses you may have, and even in some cases (not all) other things such as pain and suffering (UM) and loss of income. Injuries in car accidents are known to be probably the worst type of injuries you can ever have. So it's always advisable to have additional coverage whenever your budget allows. Keep in mind, that this is not necessarily going to provide all the coverage you need in case you are injured in a car accident. This is also when other coverages such as disability insurance, life insurance and obviously health insurance prove to be essential. Because auto insurance is such a common and sometimes forced-to-have kind of insurance, some people add good medical coverage on their policies, potentially forgetting to cover their basics such as life, disability and health coverage. Your agent can be specially valuable in this respect.

There are also optional coverages

You may want to review these carefully, while they do not cover you for more catastrophic losses as liability and medical coverage, they can come quite handy, in case you need a rental car while you car is being fixed, identity theft protection in case you need financial assistance to clear your name, towing and roadside assistance, replacement cost to get a brand new car or parts instead of depreciated ones, etc,etc. Ask your agent, you might find great value in these.

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Why am I forced to get insurance when I have financing (taking a loan) on my car?

When you make payments on your car loan, you are nearly always required to obtain and keep insurance for your vehicle. If you lease a car, you are even required to have higher limits of liability in your policy. Why is this? Well, this is because they partly own your car, and they want to make sure their property is protected. When you pay off your loan, this insurance requirement is lifted, and you can remove the physical damage coverage on your car if you want, although this is not often recommended as you will be without coverage in case of collision or other damages to it.

When you lease a car, you don't even have any kind of ownership in the vehicle, as your are effectively renting it from the leasing company. They are the ones who own it, and the owner of the vehicle also carries legal responsibility if someone else is injured or their property damaged. For this reason, they often require that you carry at least 100K per person and 300K per accident to protect their assets should they become liable for injuries or damage to property of others through their ownership of the vehicle.

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Are all the coverages shown above automatically added to my car insurance policy?

As said above, there is no such thing as "Full Coverage". Be very careful of this term. It is understandable that sometimes people just say it as a common way of referring to "full" coverage for the car only; not yourself, your family or your assets, but this is probably the # 1 cause of confusion among drivers. A policy is a combination of different components (Bodily Injury Liability, Property Damage Liability, PIP, Rental, Collision, Comprehensive, Uninsured Motorists, etc, etc.) and in addition to this each component is customized in perils covered (loss of income, stacked, non-stacked, etc.) for AND limits of coverage (10K, 25K, 100K/300K, 1 million, etc.) so to say that a policy has full coverage, is often plain wrong.

In most cases, when claims are denied, there was a situation in which budget or preference got in the way of purchasing a coverage, but the purchaser was not aware of such lack of coverage or there are also common and standard exclusions that are always NOT covered regardless of the policy or company. For this reason the best way is to discuss your options with your agent, provide him/her with enough information to make a recommendation or options and know what you are getting.

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What is the right deductible to have on my car insurance?

The lower your deductible, the lower your expenses out of pocket are in case of a claim, which is obviously better for you. However, because the insurance company will have to pay more money, the price you pay for your insurance goes up. So what's better? it depends on your budget and preference. In most cases is definitely best to have a low deductible, however, if the expense is too great to have a low deductible, and you can afford to pay a higher expense out of pocket in an accident, the choice to have a higher deductible is not so bad, and very popular too. Again, it depends on your budget and your preference.

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Why does my car insurance keep going up and up and up every renewal?

In Florida, and lately across the nation as well, the industry has been seeing record levels of claims activity. This, in simple words means, people are using their insurance more and more. In some cases this is directly related to an increased amount of accidents, but unfortunately, it also has a lot to do with uncontested fraudulent claims, insurance abuse and increased cost of repairing vehicles and medical expenses. In Florida, the industry has not only had to deal with hurricanes and the catastrophes they carry, but also with a near-crisis of excessive costs in attorney's fees, pain clinics and in general out of pattern claim activity never seen before or practically elsewhere in the country. This became specially marked at the beginning of the year 2009 when the economy took a bad turn, and employment went on the rise dramatically, causing insurance rates to peak during 2011.
Insurance is similar to a obtaining a loan that you never have to pay back, and the only way to fund this money loaned to you in case of an emergency is through payment of premiums (the cost of policies) made by all policyholders. When cost to pay claims increase, the cost of insurance increases so companies can remain solvent and profitable. Insurance fraud and abuse is a big problem that all Floridians pay for. It should not be taken lightly, as with the increased cost of paying claims and inflation, they become the largest reason why Florida insurance rates continue to go up so much as of late.



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I thought insurance was supposed to go down in price, not up every time?

As explained on question prior to this one, the cost of paying claims and inflation has been going up lately. That being said, even without these factors it is a common misconception to think that insurance rates should go down over time. While it is true that insurance rewards you with lower premiums over time under certain circumstances, the rule is that your insurance will always tend to either go up or stay the same, as its price is based on the correct amount needed to be collected to pay for claims for all policy holders.
That being said, when can you expect insurance to go down? There are many reasons why your cost can decrease or at least be able to obtain better rates, when the risk you are covered for is consider to be less to the company. Examples of this could be: Turning 18, 21, 30, 55 and 65, getting married, obtaining a multi- policy or multi car discount, obtaining a discount for a safety feature or safe behavior, good driving and claims record, good credit and in general anything that constitutes a "better" risk to a company, better understood as lower risk.
Most companies also reward loyalty in one way or another through accident forgiveness or discounts. This can constitute some savings too, and it's one of the main reasons jumping from one company to another every time is seldom recommended.

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How come my friends and family in Canada and other states pay so much less for car insurance?

Insurance price is determined by many factors. It would be accurate to say that the composition structure of the insurance price is probably the most complex of all price compositions in existence. It is made up of many items such as geographical factors, credit, age, claims and accident statistics, behavioral patterns and more. Florida is specially sensitive to high rates due to hurricanes, high levels of litigation, accidents and insurance fraud and abuse. Some areas of Florida (specially rural or less populated areas) are normally less sensitive to these high risk factors, and rate could be much lower. However, South Florida is one of the most expensive areas in the country due to the high incidence of such factors.

Does this mean that you should give up and take high rates? not necessarily. Get a quote and compare deals.

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I had a Not at Fault accident but my insurance price still went up. This doesn't sound very fair. What can I do?

Not at fault claims are in general preferred to At fault claims with most insurance providers. However, there is still strong statistical correlations between not at fault claims and higher risk, specially in Florida. While some not all not at fault accidents are completely unavoidable, there are some others than can definitely be avoided or reduced. In general, as long as you don't have an excessive amount of not at fault claims indicating something out of pattern, the impact on your rates are minimum. However, too many PIP claims (personal injury) are often times not at fault claims that cost insurers and consumers thousand of dollars in claim payments and increased insurance premiums.

You can always get a quote and see if you are getting a good deal.


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Why do I have to pay for a high price in insurance when it's other people causing accidents? What can I do?


Insurance is not unlike a pool of funds that people have access when an emergency occurs, and it's funded with the same people's money. When more of these "emergencies" occur, more money is needed to fund the pool of money so all claims can be paid, and therefore the quota must be increased too. This is very much the same that is happening in Florida, even if a few people have claims, they add up, and although people with accidents and "bad" record would certainly have to pay more, the general population will see an increase as well. In other words, the companies need to collect enough money to pay for claims, and the only way to do this is to increase rates.

Insurance companies in general would rather NOT increase rates, because this may cause policy holder "churning" or cancellations, and potentially decrease customer satisfaction. It is usually a hard decision to make, and actuaries make the determination and recommendation for a rate increase to remain solvent and financially stable to policyholders.

Some people automatically think that this is done out of greed and desire for profit, but in experience, profits in insurance come more from loyal policyholders paying a fair premium for a long time, rather than charging a high one just to see it cancel next term. Also, the state legislation is very careful about how much money an insurance company can make in profits, and regulates this heavily in in very concrete ways. In fact, if an insurance company reaches a certain level of profits in the state, they are typically required to return them to the policy holders.

This all being said, it never hurts to get a quote, and check to see if you have a fair deal.

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I never had a claim, but my car insurance cancelled me anyway. Why? What can I do?

Insurance companies have to remain solvent so they can pay all the potential amount of claims they may have to. For this reason, sometimes they have to "free up" capacity so they can remain having the financial stability required to do so. Usually they do this eliminating what's considered to be the highest risks in their book of clients, however sometimes this process is done at random too. 

All you have to do, is make sure you obtain replacement coverage before your cancellation date, otherwise your rates can be much higher. Start doing so by getting a quote.

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I only stopped paying for a week or so and I got cancelled. If I want my policy back is a lot more money. Why?

Insurance providers consider different factors when evaluating the risk they insure us for. One of those factors are the behaviors and habits of clients, since they have a direct impact in risk statistically speaking. When a policy is lapsed, this is considered to be a considerable indicator of greater risk, since a person who is not responsible enough to ensure their own property is continuously covered constitutes a higher risk than a careful one that always makes sure things are protected and in good order.

When a policy holder whose policy has lapses re-applies, he or she is often considered for a different kind of policy, since his or her qualifications have changed due to the lapse.

What you can do is simply get a quote to obtain replacement coverage now and make sure you are getting a fair deal.

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Why do companies care about my credit, my prior coverage amount and length and other reports that have nothing to do with driving?

Insurance providers consider different factors when evaluating the risk they insure us for. One of those factors are the behaviors and habits of clients, since they have a direct impact in risk statistically speaking. Credit, the continuous length of coverage of a potential customer and their limits of coverage say a lot about the risk the insurance company assumes.

People may think even though they have low to average credit, they are very safe homeowners and this should not be held against them, but statistical correlations exist and that is the reason why companies often use credit and other consumer reports to determine rates.

What you can do is simply get a quote to make sure you are getting a fair deal.

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What can I do to get the best price in Car Insurance?

Never let your policy lapse, have as good a credit as you can, never shoot for the lowest coverage as this pretty much always labels you as high risk driver (get as much as you can afford), do not jump from carrier to carrier every 6 months as this costs companies money and they often charge disloyal customer more, avoid getting tickets as much as you can but if you do get them go to traffic school or contest the violation, avoid having claims as much as you can, and finally, if you want to marry someone some day, try to marry a person that follows all these indications, since they will also affect your rates accordingly.

Never get separate policies for each vehicle, as this almost always costs you more money. Companies will give you multi car discounts most of the times. Also, try bundling all your coverage: Life, Disability, Retirement, Auto and Home. This also brings additional savings in some cases. Have an agent that cares, even if it takes you a bit of time finding one: caring agents will move heaven and earth to keep you satisfied as a client and do as much as they can within their power to help you get a fair rate and honest advice.

If you have teens in your home, you know how expensive it is to insure them. Make sure you teach them all these indications and make sure they follow them to the letter. Give them an incentive for good grades, as most companies have a good student discount, and get them to take a safety driving class for an additional discount.

Call your agent for reviews, not just to save money, but also to make sure they are giving you adequate coverage for your needs.

Remember you can always also get a quote.

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What should I do in case of an accident?

Prevention:
Perform a regular check-up on your car. Determine if your brake is working properly and if your car engine is well conditioned for travel. Inspect the alignment of the tires and make sure that they have enough air pressure. Always wear your seat belts. In most cases of car accidents, the victims have incurred fatal injuries due to the failure of using these safety devices. Have enough rest before driving your car. Usually over fatigue and sleeplessness decreases a person's ability to concentrate in driving. Limit or avoid drinking liquor before you drive. Driving your car under the influence of alcohol will impair your senses and ability to manipulate your car properly. Maintain your composure and never defy the speed limits. Aggressive driving is one of the major causes of car accidents. Obey the traffic rules and follow the road signs. Be aware of the road and weather conditions. Avoid using cellular phones while driving. Turn down the volume of your car stereo.

After the Accident Tips
These steps could reduce the risk of further damage or injury, prevent hassles, and save you money later on. If possible, move your car out of traffic and turn on its flashers. Put out warning triangles or flares if you have them. Then stand a safe distance away while you talk to other drivers or wait for help. Double-check yourself and your passengers to make sure no one is hurt. Even a fender bender might have caused an injury that's not noticeable right away. Summon medical help if there is any doubt. Call the police, especially if there has been substantial damage or anyone is injured or acting confrontational. Ask for the investigating officer's name and contact information, and for the accident report number so that you can follow up. You may dial 911 and have the police and paramedics send their quick response units. Obtain the name, address, phone number, driver's license number, plate number, and insurance information of any other drivers involved in the accident, along with the names of anyone with injuries and any witnesses. But don't argue over who is at fault or admit blame. If possible, take photos of the scene (a cell-phone camera can come in handy) or draw a diagram showing the cars' positions. Contact your insurer right away. Write down the names and contact information of the other party who might have any liability in the car accident. Determine the information about his/her insurance policy. Never accept fault at the scene of the accident. Record the facts and events that transpired.

It's important to you don't wait too long to file the claim. Even if it is not your fault, your insurance company will handle the claim process as your advocate, and prepare for a possible call from the other insurance company. If there is a dispute between the two parties in the accident, you may get a call from the other driver's insurance company asking for your version of what happened at the accident scene. If this happens make sure you document everything you say and the name of the customer service agent you talked too. Finally, get your car fixed if you had body damage to your vehicle. After your claim is approved, you will likely get a call from your insurance company about sending an insurance adjuster out to assess the damage or asking you to send your car to a pre-approved shop to get it fixed.

If you think your carrier's damage settlement offer is too low, you may ask your carrier for a form of arbitration to resolve the dispute. This process may take two to six weeks, but generally speaking, you will not have to wait for payment. In most cases, the insurance company will pay you the amount it offered immediately, and you'll get the rest when and if the dispute is resolved in your favor. On the other hand, if you disagree with an offer from the other party's carrier, you may or may not be offered such dispute resolution. If not and the amount in dispute is significant, it may be worthwhile to take legal action.

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Will my price go up if I have claims or tickets?

In most cases, yes. However, some companies will give you accident forgiveness, which is intended to precisely avoid such increases. You obtain this by being loyal and staying for them for usually 10 years or more, or you can simply pay for it and include it in your policy with some carriers.

There are some incidents that usually don't increase your rates, unless your violations show out of pattern occurrences. These incidents usually are acts of God (storms, wild fires, etc.), non collision or liability claims (theft, vandalism, falling objects, etc.) and equipment violations such as a broken tail light.

If you have driving violations, it is always a good idea to contest them or go to school so they don't remain on your record and cause you additional charges in your policy.

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Do you have any useful Florida insurance related links?

Yes we do, and we suggest you bookmark this page so you can always return to them when you need them:
-Check the status of your Florida Driver's License here.
-Check vehicle information using the VIN # here.
-Renew your license, registration or change your address with the FL DMV.
-Motor Vehicle & Vessel Registrations, Tags and Titles here.
-Motor Vehicle services and transactions fees here.
-Find a Driver License Office location here.
-Find a Demotech rating for a company
-Find a AM Best rating for a company
-Talk to or contact a Florida Licensed Agent or Agency.
-Lookup an insurance company here.
-Lookup an insurance agent and provider here.
-Report Insurance Fraud and Abuse here.


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DISCLAIMER: This website posts information that you can access freely and at no cost. By no means this information is to be taken as a direct recommendation or advise to you, as each person has different needs and the information included in this website cannot be all encompassing. We assume no liability for misinterpretation or decisions you make with your insurance which may lead to loss, injury or uncovered damages. We are not an insurance company but only an information and referral website, and you should consult with your insurance professional (A.K.A. your agent) before making any decisions about your purchase.

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