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When compared to other states, the Sunshine State requires relatively low coverage

requirements at $10,000 for Personal Injury Protection (PIP) and $10,000 for Property Damage Liability (PDL). If one were to take the high costs of medical care and the number of high value vehicles in certain areas, these limits simply may not cut it. For those who are fortunate enough to have healthcare plans may not need to be concerned with the low PIP requirements, but for those who do not may want to consider increasing the limit when purchasing Florida auto insurance policies to see if more extensive protection can be afforded.

Although the state requires very little coverage to legally operate a vehicle, the cost of automobile coverage in Florida is on average among the highest in the nation, therefore those looking to purchase higher levels of protection should be aware that it is extremely important that motorists take the time to compare quotes from various companies to ensure that the most affordable premium is located Comparing the rates of different types of coverage can be the difference between getting properly insured and becoming underinsured. Unfortunately, due to the high costs in the state many motorists only seek quotes based on the minimum required in an attempt to keep policies affordable, but taking a little bit of time to compare rates based on more protection may lead to better coverage for a small amount of additional premium and can be worth.

When Additional FL Car Insurance is Needed

The state of Florida does not require motorists to carry coverage for bodily injury liability, but the law requires drivers that have convicted or certain traffic violations or are involved in an accident and is uninsured and cannot pay for damages will need carry $20,000 bodily injury liability in addition to the $10,000 in personal injury liability and $10,000 in property damage liability. Individuals also have the option to purchase a single combined limit of $30,000. While it is common sense that individuals should refrain from committing traffic violations and driving uninsured is never a wise idea especially since many accidents are unavoidable, these actions can hit a persons pocket book.

According to the Florida auto insurance guide for consumers being convicted of driving under the influence of drugs or alcohol can be much more costly and will be quite an expensive mistake. A conviction will not only land a person in the high risk pool which automatically raises rates, but a high amount of coverage will need to be carried and maintained in addition to the required personal injury protection. Offenders will need to purchase $100,000 bodily injury liability for one person, $300,000 for bodily injury to two or more people and raise property damage liability to $50,000; this will all need to be done prior to getting back on the road and this coverage would need to be maintained for three years. One can only imagine how much this can increase premiums in a state with already expensive rates

by: Mitch Velez

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