Can I Put Insurance On Vehicle Registered To Someone Else In Florida In Florida

How much machine insurance are you legally required to have when driving in the country of Florida?

Insurance laws can exist confusing since they change by state. So nosotros'll start off with a unproblematic question and a straightforward answer:

Is automobile insurance in Florida required?

Absolutely. In fact, having some level of car insurance is the law in every state except two (Virginia and New Hampshire). In Florida, you must carry proof of insurance with you lot whenever you drive and it must be electric current. In the event that you're pulled over or in a automobile accident, you will be asked past law enforcement to show this proof. Registration of any new vehicle likewise requires that you have proof of Florida coverage.

In Florida, it'south common to see all types of vehicles. Many Floridians live on or almost the beachfront, so residents regularly drive on and off the road with non-traditional "vehicles" such as water bikes, golf game carts, go karts, and so forth. While these types of vehicles practice non need insurance, the state of Florida requires that every standard 4-wheeled vehicle maintain the minimum level of Florida auto insurance coverage.

Minimum Insurance Requirements in Florida

Auto insurance is like an umbrella that yous need, but you hope you never have to use. Regardless, it's important that Florida drivers know the mandatory insurance requirements that apply statewide. The minimum requirements for machine insurance coverage are:

$10,000 for personal injury protection (PIP)
$x,000 for belongings damage liability (PDL)

Disclaimer for Bodily Injury Liability

Although the state of Florida does not crave yous to carry bodily injury liability (BIL) insurance, many experts consider it wise to add this coverage. This protects you if you accept a automobile blow in which people are injured or killed due to your negligence.

Even though Florida is a no-error state, an injured political party could still sue you for amercement if they're all-encompassing or they go beyond what your minimum insurance requirements cover. Otherwise, you lot could end upwardly paying for damages out-of-pocket.

What Does "No-Mistake" Liability Mean?

There are currently twelve states that operate under "no-mistake" liability, of which Florida is ane. Being a no-mistake state ways that each person pays for their own blow expenses — no affair whose fault it is. This is insurance law. Still, remember that if an accident causes someone more damage or injuries than your insurance policy covers, they accept a right to sue you for amercement.

In these cases, y'all would be required to pay for actress damages if the courtroom ruled that you acted negligently, or if you acquired injury that created medical conditions or expenses that were the result of negligence.

In other words, while insurance laws in Florida only crave belongings liability and personal injury protection, information technology'due south always a adept idea to carry more than coverage than the minimum requirement. That style, you will have the actress protection if you lot're sued for automobile accident amercement.

What is PIP?

You may wonder what PIP (personal injury protection) does for y'all equally a Florida motorist? PIP insurance is for the purpose of covering medical expenses and other costs such as lost wages. This insurance is often called "no-mistake" coverage because it covers and pays out claims on accidents regardless of who is at fault.

Additionally, PIP is for the purpose of defending yourself against minor lawsuits that require additional funds to pay for damages if yous're held responsible.

Continue reading: What is PIP Insurance and Are Florida Drivers Required to Accept it?

Other Types of Optional Motorcar Insurance Coverage

To exist condom, you may want to wait into the following optional coverages in order to make sure y'all are covered in whatsoever situation:

Bodily injury liability. As previously discussed, bodily injury liability covers injuries that people may receive as a result of a machine accident that's your fault. Even though Florida is a no-fault state, you could still be sued for injuries if your PIP insurance doesn't embrace it.

Collision.Collision insurance is meant to embrace any impairment yous receive from an accident. Think, standoff insurance isn't covered in your minimum Florida liability or PIP coverage.

Comprehensive.Auto theft, "acts of nature," and other accidents outside of vehicle collisions are covered by this additional policy. In Florida, hail storms, lightning, floods, and hurricane harm claims are mutual under a comprehensive insurance policy.

Other types of coverage that may as well exist offered by your auto insurance company include roadside aid and medical coverage (an extra policy to pay for medical expenses like hospital stays and medical treatment due to a serious accident).

If you're a Florida driver, make sure you at least have the minimum insurance required by police. If y'all've been seriously injured in a car blow with an uninsured driver, or your insurance policy is unable to sufficiently cover the expense of a machine accident caused by someone else, yous'll want to make it bear upon with Tampa car accident attorneys at Lorenzo & Lorenzo.

Nosotros tin help answer any legal questions you lot have and will fight for your legal rights. Contact us today to schedule a gratis consultation.