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Florida No Fault Car Insurance Laws
The laws of the State of Florida car insurance differs in particular from many other countries. The State requires all drivers of vehicles with at least four wheels to buy and carry auto insurance with two types of coverage:
- Property-casualty liability (PDL)
- Personal injury protection (PIP)
Each type of cover must have minimum coverage of $10,000, and both have significant differences.
Property-casualty insurance (PDL) includes the damage that you, a family member or other person protected by driving your vehicle could cause the property of another person while driving.
If you exit the back of someone else's car, or if you return to Your message, the neighbor PDL insurance will cover the damage on the rear of your vehicle or replace your neighbor's message. However, the PDL will not pay anything to ruin your car has been eliminated in one of two scenarios. Therefore, the term "obligation" in the name, such as insurance, which allows you to protect against liability for the damage that You can accidentally cause the property of others with your car.
The State of Florida does not require you to bring your own car warranty coverage, though it is definitely recommended.
PIP coverage apply to everyone without any errors (which caused the accident or injury) and Florida nicknamed insurance there is an error.
All who have the vehicle must be covered with a minimal PIP policy $10,000. PIP apply not only to vehicles, but also for several other incidents, including:
- Pedestrians injured by vehicle
- Bikers injured by vehicle
- Kids school bus injured
Other types of insurance, liability for personal injury (BIL), including maintenance costs and insurance for your funeral, family members or others closed can cause during driving.
This insurance is not required by the State, have higher amounts of coverage and higher premiums later. However, Bil reduce your obligations if you or any other person covered by driving your car is the primary cause of the accident.
Don't require liability insurance bodies (NUM) is another way in Florida are different from other countries. Just another State in the nation, New Hampshire does not require the driver to create a policy with Bil. If you have a main asset types, including your main residence, consider adding Bil's coverage to protect yourself. State minimum coverage certainly will not protect you in a serious accident.
Why is there insurance for errors?
Florida is one of only a handful of countries without laws auto insurance details. The error established legal insurance has been set up to keep the premium low monthly payment when presenting fast acting on legal errors and avoid expensive driver in the form of a limited liability company.
When it comes to medical claims in Florida, 10 K first coverage will come from your own automobile insurance policy, regardless of who is guilty.
Especially because there is an error in law, companies that sell auto insurance in Florida can offer lower premiums than the national average. However, no error by the critics of the law say that laws to protect the drivers because of the clothes the law which could lead to the loss of the primary assets so much that, resulted in driving more recklessly. A study published by a major University of Pennsylvania declared that the Insurance Act does not lead to more drinking errors while driving, the greater the incidence of Rush tickets and high mortality rates.
In addition to safety considerations, many criticized Florida there is an error because he was often tortured. Quick PIP payments has led to cases where medical clinic falsified or exaggerated injuries to reach the maximum of $10,000.
The Florida Department of financial services received thousands of PIP fraud tips and made hundreds of arrests every year.