Tampa Florida  Usa Map Red  CarThe Florida law states that every car owner in the state should have auto insurance. Each vehicle should have the minimum policy coverage suitable for property damage liability and personal injury protection.

A car owner can offset the requirement by choosing any of the affordable policies for auto insurance in Florida. It’s a fact that the state’s vehicle insurance coverages offer the lowest minimum requirements in the whole country.

Requirements For Auto Insurance In Florida

The most important coverage for auto insurance is the no-fault insurance policy. If a person is injured in a vehicular accident, the policy pays for the medical expenses (until the insurance coverage limits) regardless of whoever caused the crash in the first place.

If the victim suffers the loss of income as a result of the accident, the personal injury protection insurance cover also provides compensation. The policy also includes the following individuals and situations.

• The applicant’s children and other members of the family

• The applicant’s child when he/she is riding on a public school bus

• The applicant if he/she is a cyclist or pedestrian involved in a vehicular accident

• Any passengers in the applicant’s vehicle who don’t have their insurance cover or don’t own any vehicles

If there are passengers in the applicant’s vehicle who have their own personal injury protection insurance, they are covered by their own policies. The same case applies when the applicant has his/her own insurance cover but is involved in an accident while in a vehicle belonging to another individual.

Finally, there is property damage liability cover that pays for any damages the applicant causes to another person’s property as a result of the car accident. The property covered under this policy includes buildings or homes.

Penalties And Fines For Violation

If a vehicle owner has canceled an insurance policy, the insurance company needs to notify the Florida DMV organization. If the department doesn’t have the current auto insurance policy for a particular car owner, notifications should be made by mail to the individual in question.

The notification indicates a date of suspension. If the individual doesn’t provide proof of insurance before that particular date, the DMV has no choice but to suspend the license, vehicle plates as well as registration. To reinstate, the vehicle owner needs to pay a certain fee as well as provide proof of current Florida vehicle insurance. Of course, if the evidence of insurance is provided before the suspension date, there are no penalties incurred.

To provide proof of insurance, a vehicle owner can visit the official DMV website in Florida, or provide his/her driver’s license in person at any DMV office. Also, he/she can contact the organization by phone and provide the insurance information for validation purposes.

If the insurance cover has expired and the individual has been issued a notification, yet he/she doesn’t own the car anymore, he/she should reveal the license plates and the vehicle’s registration to the DMV to avoid suspension of the individual’s driver’s license. Optional auto insurance covers such as comprehensive, collision, rental car, uninsured motorists or towing and labor are also available in Florida.