| Florida is 'tort state', which means that it makes sure | | | | end here. The defaulter may have to pay a license |
| that the person who has been wronged in any way | | | | reinstatement fee between $150 and $500 along with |
| gets compensated adequately. It therefore makes it | | | | the proof. |
| legally compulsory for automobile owners to have the | | | | In Florida, the driver's age, his marital status and his |
| means to pay up should he be involved in an accident | | | | past driving record can influence the amount that he |
| where someone is injured or there is damage to the | | | | has to shell as premium. For instance, a flawless driving |
| other party's car or property. | | | | record devoid of any tickets can knock off some |
| As such, the Florida auto insurance regulators have laid | | | | precious dollars from the insurance premium. If the |
| down rules pertaining to minimum liability coverage | | | | driver's age is above 50, again this goes in his favor of |
| which an automobile owner has to adhere to. This rule | | | | being a safe driver and hence his premium amount |
| is applicable to anybody who has been the owner of a | | | | comes down. |
| car in Florida for more than 90 days in the last one | | | | Florida auto insurance also gives the car owner the |
| year, resides in Florida, is employed in there or has | | | | option of lowering his premium amount by increasing |
| children in school in Florida. The law mandates that the | | | | his deductible and keeping it in the range of $500 to |
| car owner has to have a Property damage cover of | | | | $1,000. But remember that this puts the risk of safe |
| at least $10,000. Apart from this he has to have a | | | | driving on the car owners' shoulders. |
| personal injury protection cover of no less than | | | | Auto insurance companies in Florida recommend that if |
| $10,000. All other covers are optional. However it | | | | your car's book value is less than $3,000 it would be |
| would be wise to have medical payment, collision and | | | | wise to drop collision and comprehensive coverage |
| comprehensive cover added to the policy. | | | | altogether as it is an expensive part of your car |
| Even if the vehicle has moved from some other state | | | | insurance. But again there is the risk of you losing |
| and has been insured in that state, the same rule will | | | | everything or having to pay for the damages |
| follow. The policy holder will have to hire a Florida | | | | completely out of your pocket if the car is stolen or |
| agent to transfer the insurance from other state to | | | | gets damaged in an accident. One has to weigh the |
| Florida when the vehicle is registered in Florida. Failure | | | | pros and cons of this coverage on a cheap car. In an |
| to do so may lead to the persons driving privilege | | | | expensive car collision and comprehensive coverage is |
| being suspended by the Department of Highway | | | | absolutely essential. |
| Safety and Motor Vehicles. The department can also | | | | Car insurance discounts vary from one state to |
| suspend vehicle's tag and registration till proof of | | | | another. Remember to ask about any available Florida |
| registration in Florida is submitted. The ordeal does not | | | | car insurance discounts. |