Florida Auto Insurance No Fault, Online Vehicle Insurance
The Sunshine State is a No Fault state which requires motorists to carry Personal Injury Protection (PIP) and Property Damage Liability for as long as they have a vehicle with at least four wheels registered and licensed in FL. While most Floridians are aware of this, PIP and auto insurance in general can be a complicated product which many residents may not fully understand; individuals should take the time to know exactly how their policies will cover them in the event of a loss to ensure that they are properly insured.
Personal injury protection will pay for the injuries of the policyholder up to coverage limits regardless of who is at fault for causing the traffic accident; this portion of Florida car insurance policies will also cover the insured’s children and other resident members of their household.
PIP may also cover certain passengers who lack coverage and drivers who operate the policyholder’s vehicle with permission. In addition, personal injury protection will cover the injuries sustained by passengers unless they own a vehicle and lack PIP or have a policy of their own which will cover their medical costs up to their coverage limits.
Friday, Jun. 4th 2010 5:24 PM at 5:24 pm
Getting rates can be done pretty quick and easy due to the fact that such government departments like the California Department of Insurance require licensed insurers to be easily accessible by the public and must have a toll-free number and or a website where motorists can get a rate quote or direct them to someone who can provide one.
Calling carriers and speaking with agents is an effective way to find cheaper premiums and can be helpful in discussing the various options when it comes to coverage, but it can take a significant amount of time to reach them all to ensure the best deal is found, especially in a state such as CA which has an abundant marketplace.
A great way to obtain multiple quotations is with the help of comparison websites, some of which may be able to provide rates from over sixty insurers in a matter of minutes. Comparing carriers does not cost a cent and can potentially save motorists a lot of money over the years; taking the time to do so can be well worth it if cheaper premiums are found.